Kingstree Federal Savings and Loan Association: 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 13.91% +4.91 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 | $5.6M | 5,593 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $40.2M | 40,205 | RCOAA224 |
| Recomputed ratio | 13.91% | numerator / denominator | |
| Filed ratio | 13.91% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +4.91 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 | 100 | 100 | 100 | 100 | 100 | 100 | RCOAP742 |
| Retained earnings | 5,493 | 5,558 | 5,610 | 5,698 | 5,760 | 5,756 | RCOAKW00 |
| Accumulated other comprehensive income | (368) | (405) | (396) | (430) | (518) | (519) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 5,225 | 5,253 | 5,314 | 5,368 | 5,342 | 5,337 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 368 | 405 | 396 | 430 | 518 | 519 | P859 - P840 |
| Common equity Tier 1 capital | 5,593 | 5,658 | 5,710 | 5,798 | 5,860 | 5,856 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 5,593 | 5,658 | 5,710 | 5,798 | 5,860 | 5,856 | 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 | 40,205 | 37,846 | 37,144 | 36,912 | 36,462 | 36,202 | 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 | 13.91% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | CBLR | NA | NA | NA | 14.95% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | CBLR | NA | NA | NA | 15.37% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | CBLR | NA | NA | NA | 15.71% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | CBLR | NA | NA | NA | 16.07% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | CBLR | NA | NA | NA | 16.18% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | CBLR | NA | NA | NA | 15.62% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | CBLR | NA | NA | NA | 14.43% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | CBLR | NA | NA | NA | 16.02% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | CBLR | NA | NA | NA | 16.74% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | CBLR | NA | NA | NA | 17.26% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | CBLR | NA | NA | NA | 17.28% | 20.70% | 20.70% | 21.86% | 12.73% |
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 |
|---|---|---|---|---|---|---|
| Kingstree Federal Savings and Loan Association (this bank) | CBLR | NA | NA | NA | 13.91% | |
| Avana Bank | $39.6M | CBLR | NA | NA | NA | 17.52% |
| Bank of Mead | $39.7M | CBLR | NA | NA | NA | 10.13% |
| Credit First N.A. | $39.8M | Risk-based | 400.63% | 400.63% | 400.63% | 98.26% |
| First State Bank of Van Orin | $40.0M | Risk-based | 26.68% | 26.68% | 27.84% | 12.40% |
| Houston Bank & Trust | $38.5M | CBLR | NA | NA | NA | 93.01% |
| Peoples State Bank, Fairmount, North Dakota | $38.5M | Risk-based | 11.38% | 11.38% | 12.25% | 8.38% |
| 2UNIFI Bank | $38.5M | Risk-based | 140.71% | 140.71% | 141.20% | 38.37% |
| Legacy Trust Company, N.A. | $40.2M | Risk-based | 226.62% | 226.62% | 226.62% | 88.01% |
| Tucumcari Federal Savings & Loan Association | $38.4M | CBLR | NA | NA | NA | 15.22% |
| Corn Growers State Bank | $40.3M | Risk-based | 13.63% | 13.63% | 14.57% | 8.00% |
| Peer 25th percentile | 16.90% | 16.90% | 17.89% | 10.70% | ||
| Peer median | 83.70% | 83.70% | 84.52% | 16.37% | ||
| Peer 75th percentile | 205.14% | 205.14% | 205.27% | 75.60% | ||
| This bank's percentile | NA | NA | NA | 40 |
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/440978/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.