Kerndt Brothers Savings 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 10.88% +1.88 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 | $37.3M | 37,267 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $342.6M | 342,586 | RCOAA224 |
| Recomputed ratio | 10.88% | numerator / denominator | |
| Filed ratio | 10.88% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.88 pp | $6.4M | 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 | 9,392 | 9,392 | 9,392 | 9,392 | 9,392 | 9,392 | RCOAP742 |
| Retained earnings | 32,003 | 31,288 | 29,820 | 29,409 | 29,243 | 28,995 | RCOAKW00 |
| Accumulated other comprehensive income | (3,617) | (3,929) | (3,433) | (4,013) | (4,814) | (5,329) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 37,778 | 36,751 | 35,779 | 34,788 | 33,821 | 33,058 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (511) | (212) | (721) | (152) | 635 | 1,137 | P859 - P840 |
| Common equity Tier 1 capital | 37,267 | 36,539 | 35,058 | 34,636 | 34,456 | 34,195 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 37,267 | 36,539 | 35,058 | 34,636 | 34,456 | 34,195 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 342,586 | 336,682 | 329,770 | 326,333 | 330,884 | 337,780 | 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 | 10.88% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 10.85% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.63% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 10.61% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 10.41% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 10.12% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 9.74% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 9.71% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 9.44% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 9.06% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 9.02% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 8.84% | 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 |
|---|---|---|---|---|---|---|
| Kerndt Brothers Savings Bank (this bank) | CBLR | NA | NA | NA | 10.88% | |
| First Southern Bank | $347.2M | Risk-based | 14.87% | 14.87% | 15.76% | 10.92% |
| Community Bank of Raymore | $346.9M | Risk-based | 20.21% | 20.21% | 20.58% | 9.70% |
| Heritage Community Bank | $347.8M | Risk-based | 9.39% | 9.39% | 10.64% | 8.30% |
| Citizens Deposit Bank of Arlington, Inc. | $348.2M | CBLR | NA | NA | NA | 13.66% |
| Ozona Bank | $346.1M | Risk-based | 20.11% | 20.11% | 21.13% | 12.31% |
| Citizens National Bank of Albion | $348.5M | Risk-based | 25.45% | 25.45% | 26.70% | 17.35% |
| Community State Bank | $345.8M | CBLR | NA | NA | NA | 10.47% |
| Commercial Savings Bank | $348.8M | Risk-based | 11.62% | 11.62% | 12.66% | 8.44% |
| Waumandee State Bank | $345.5M | Risk-based | 13.75% | 13.75% | 15.00% | 9.39% |
| Peer 25th percentile | 12.68% | 12.68% | 13.83% | 9.39% | ||
| Peer median | 14.87% | 14.87% | 15.76% | 10.47% | ||
| Peer 75th percentile | 20.16% | 20.16% | 20.86% | 12.31% | ||
| This bank's percentile | NA | NA | NA | 56 |
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/665146/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.