Kansas State Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 13.17% +4.17 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $13.5M | 13,494 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $102.5M | 102,462 | RCOAA224 |
| Recomputed ratio | 13.17% | numerator / denominator | |
| Filed ratio | 13.17% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +4.17 pp | $4.3M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 700 | 700 | 700 | 700 | 700 | 700 | RCOAP742 |
| Retained earnings | 12,794 | 12,331 | 12,134 | 12,025 | 11,748 | 11,531 | RCOAKW00 |
| Accumulated other comprehensive income | (2,062) | (2,133) | (1,840) | (2,066) | (2,538) | (2,759) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 11,432 | 10,898 | 10,994 | 10,659 | 9,910 | 9,472 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,062 | 2,133 | 1,840 | 2,066 | 2,538 | 2,759 | P859 - P840 |
| Common equity Tier 1 capital | 13,494 | 13,031 | 12,834 | 12,725 | 12,448 | 12,231 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 13,494 | 13,031 | 12,834 | 12,725 | 12,448 | 12,231 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | 849 | 810 | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | 849 | 810 | |
| Total capital | NA | NA | NA | NA | 13,297 | 13,041 | |
| Total risk-weighted assets | NA | NA | NA | NA | 67,123 | 64,000 | |
| Average total assets for the leverage ratio | 102,462 | 102,398 | 98,211 | 95,610 | 94,119 | 92,939 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 13.17% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 12.73% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 13.07% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 13.31% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 18.55% | 18.55% | 19.81% | 13.23% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 19.11% | 19.11% | 20.38% | 13.16% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 19.23% | 19.23% | 20.50% | 13.15% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 19.21% | 19.21% | 20.48% | 13.23% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 18.28% | 18.28% | 19.55% | 12.89% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 19.45% | 19.45% | 20.72% | 12.96% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 19.07% | 19.07% | 20.34% | 12.63% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 18.86% | 18.86% | 20.13% | 12.60% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Kansas State Bank (this bank) | CBLR | NA | NA | NA | 13.17% | |
| Century Bank of Florida | $101.1M | Risk-based | 15.55% | 15.55% | 16.80% | 10.56% |
| The Bank of Milan | $101.1M | CBLR | NA | NA | NA | 9.52% |
| United Orient Bank | $101.4M | CBLR | NA | NA | NA | 12.53% |
| The Gerber State Bank | $100.8M | CBLR | NA | NA | NA | 12.31% |
| Black River Country Bank | $101.8M | Risk-based | 12.26% | 12.26% | 13.52% | 8.94% |
| Dedicated Community Bank | $100.6M | Risk-based | 12.71% | 12.71% | 13.31% | 9.27% |
| West Plains Savings and Loan Association | $100.5M | CBLR | NA | NA | NA | 21.11% |
| Northern State Bank of Virginia | $102.0M | Risk-based | 15.36% | 15.36% | 16.26% | 10.17% |
| The First National Bank of Hebbronville | $102.0M | Risk-based | 48.13% | 48.13% | 48.74% | 16.51% |
| The Citizens National Bank of McConnelsville | $102.1M | CBLR | NA | NA | NA | 12.24% |
| Peer 25th percentile | 12.71% | 12.71% | 13.52% | 9.68% | ||
| Peer median | 15.36% | 15.36% | 16.26% | 11.40% | ||
| Peer 75th percentile | 15.55% | 15.55% | 16.80% | 12.48% | ||
| This bank's percentile | NA | NA | NA | 80 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/582654/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.