Lamar National 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 10.64% +1.64 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 | $40.5M | 40,531 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $380.8M | 380,846 | RCOAA224 |
| Recomputed ratio | 10.64% | numerator / denominator | |
| Filed ratio | 10.64% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.64 pp | $6.3M | 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 | 21,524 | 21,524 | 21,524 | 21,524 | 21,476 | 21,476 | RCOAP742 |
| Retained earnings | 19,007 | 18,750 | 19,073 | 18,397 | 17,762 | 17,214 | RCOAKW00 |
| Accumulated other comprehensive income | (7,548) | (8,330) | (7,916) | (9,008) | (10,582) | (10,957) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 32,983 | 31,944 | 32,681 | 30,913 | 28,656 | 27,733 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 7,548 | 8,330 | 7,915 | 9,008 | 10,582 | 10,957 | P859 - P840 |
| Common equity Tier 1 capital | 40,531 | 40,274 | 40,596 | 39,921 | 39,238 | 38,690 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 40,531 | 40,274 | 40,596 | 39,921 | 39,238 | 38,690 | 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 | 380,846 | 384,047 | 373,566 | 376,177 | 368,920 | 371,843 | 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 | 10.64% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 10.49% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.87% | 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 | 10.64% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 10.40% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 10.27% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 10.04% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 9.78% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 9.61% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 9.69% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 9.88% | 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 |
|---|---|---|---|---|---|---|
| Lamar National Bank (this bank) | CBLR | NA | NA | NA | 10.64% | |
| Peoples Bank of Kankakee County | $375.6M | Risk-based | 12.02% | 12.02% | 12.93% | 7.67% |
| The Fisher National Bank | $375.5M | CBLR | NA | NA | NA | 9.00% |
| Tower Community Bank | $375.4M | CBLR | NA | NA | NA | 10.43% |
| Georgia Community Bank | $375.0M | CBLR | NA | NA | NA | 13.67% |
| Community First National Bank | $374.7M | Risk-based | 13.08% | 13.08% | 14.34% | 10.94% |
| The Farmers Bank of Appomattox | $374.6M | Risk-based | 18.53% | 18.53% | 19.18% | 12.58% |
| Gilmer National Bank | $374.5M | Risk-based | 14.57% | 14.57% | 15.82% | 9.69% |
| Bank of O'Fallon | $377.5M | Risk-based | 23.12% | 23.12% | 24.38% | 13.82% |
| Bank of Commerce & Trust Company | $377.9M | CBLR | NA | NA | NA | 11.10% |
| First Federal Community Bank of Bucyrus | $373.8M | Risk-based | 9.77% | 9.77% | 10.89% | 8.10% |
| Peer 25th percentile | 12.28% | 12.28% | 13.28% | 9.17% | ||
| Peer median | 13.83% | 13.83% | 15.08% | 10.69% | ||
| Peer 75th percentile | 17.54% | 17.54% | 18.34% | 12.21% | ||
| This bank's percentile | NA | NA | NA | 50 |
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/2161/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.