Key Community 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 10.66% +1.66 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 | $13.0M | 12,970 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $121.7M | 121,652 | RCOAA224 |
| Recomputed ratio | 10.66% | numerator / denominator | |
| Filed ratio | 10.66% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.66 pp | $2.0M | 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 | 13,039 | 13,039 | 8,937 | 8,937 | 8,937 | 8,937 | RCOAP742 |
| Retained earnings | (69) | (577) | 1,579 | 1,111 | 734 | 357 | RCOAKW00 |
| Accumulated other comprehensive income | 1 | 5 | 19 | 13 | 4 | (6) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 12,971 | 12,467 | 10,535 | 10,061 | 9,675 | 9,288 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (1) | (5) | (19) | (13) | (4) | 6 | P859 - P840 |
| Common equity Tier 1 capital | 12,970 | 12,462 | 10,516 | 10,048 | 9,671 | 9,294 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 12,970 | 12,462 | 10,516 | 10,048 | 9,671 | 9,294 | RCOA8274 |
| Tier 2 capital | NA | NA | 1,207 | 1,167 | 1,179 | 1,166 | |
| Allowance includable in Tier 2 capital | NA | NA | 1,207 | 1,167 | 1,179 | 1,166 | |
| Total capital | NA | NA | 11,723 | 11,215 | 10,850 | 10,460 | |
| Total risk-weighted assets | NA | NA | 96,579 | 93,304 | 94,363 | 93,584 | |
| Average total assets for the leverage ratio | 121,652 | 117,001 | 111,636 | 110,065 | 109,329 | 105,739 | 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 | 10.66% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 10.65% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 10.89% | 10.89% | 12.14% | 9.42% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 10.77% | 10.77% | 12.02% | 9.13% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 10.25% | 10.25% | 11.50% | 8.85% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 9.93% | 9.93% | 11.18% | 8.79% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 10.74% | 10.74% | 11.97% | 8.98% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 10.46% | 10.46% | 11.68% | 8.94% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 10.15% | 10.15% | 11.34% | 8.54% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 10.07% | 10.07% | 11.26% | 8.20% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 11.07% | 11.07% | 12.27% | 8.67% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 10.83% | 10.83% | 11.99% | 8.54% | 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 |
|---|---|---|---|---|---|---|
| Key Community Bank (this bank) | CBLR | NA | NA | NA | 10.66% | |
| California International Bank, N.A. | $120.9M | CBLR | NA | NA | NA | 13.51% |
| Heritage Bank Minnesota | $120.9M | Risk-based | 9.98% | 9.98% | 11.04% | 7.27% |
| Logan County Bank | $120.8M | Risk-based | 29.84% | 29.84% | 31.09% | 16.89% |
| Custer Federal State Bank | $120.7M | CBLR | NA | NA | NA | 11.99% |
| The First State Bank | $121.4M | Risk-based | 15.85% | 15.85% | 16.92% | 13.46% |
| Bedford Loan & Deposit Bank | $121.8M | Risk-based | 24.37% | 24.37% | 25.62% | 14.61% |
| The First National Bank of Williamson | $120.3M | CBLR | NA | NA | NA | 20.13% |
| Maple City Savings Bank, FSB | $121.8M | Risk-based | 16.79% | 16.79% | 18.02% | 9.46% |
| United Bank & Trust Co. | $120.1M | Risk-based | 16.47% | 16.47% | 17.70% | 10.46% |
| Peer 25th percentile | 16.00% | 16.00% | 17.12% | 10.46% | ||
| Peer median | 16.63% | 16.63% | 17.86% | 13.46% | ||
| Peer 75th percentile | 22.47% | 22.47% | 23.72% | 14.61% | ||
| This bank's percentile | NA | NA | NA | 33 |
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/2610784/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.