Lasalle State Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 9.76% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 9.76% (RCOAH311).
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.
Common equity Tier 1 ratio 16.64% +10.14 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $17.0M | 16,997 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $102.1M | 102,119 | RCOAA223 |
| Recomputed ratio | 16.64% | numerator / denominator | |
| Filed ratio | 16.64% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +10.14 pp | $10.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 16.64% +8.64 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $17.0M | 16,997 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $102.1M | 102,119 | RCOAA223 |
| Recomputed ratio | 16.64% | numerator / denominator | |
| Filed ratio | 16.64% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +8.64 pp | $8.8M | capital that could be lost first |
Total risk-based capital ratio 17.76% +7.76 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $18.1M | 18,140 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $102.1M | 102,119 | RCOAA223 |
| Recomputed ratio | 17.76% | numerator / denominator | |
| Filed ratio | 17.76% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +7.76 pp | $7.9M | capital that could be lost first |
Tier 1 leverage ratio 8.91% +3.91 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $17.0M | 16,997 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $190.7M | 190,697 | RCOAA224 |
| Recomputed ratio | 8.91% | numerator / denominator | |
| Filed ratio | 8.91% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.91 pp | $7.5M | 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 | 3,236 | 3,236 | 3,236 | 3,236 | 3,236 | 3,236 | RCOAP742 |
| Retained earnings | 13,761 | 13,712 | 13,627 | 13,292 | 13,176 | 12,928 | RCOAKW00 |
| Accumulated other comprehensive income | (6,189) | (5,621) | (5,596) | (6,090) | (7,977) | (8,109) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 10,808 | 11,327 | 11,267 | 10,438 | 8,435 | 8,055 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 6,189 | 5,621 | 5,599 | 6,090 | 7,977 | 8,109 | P859 - P840 |
| Common equity Tier 1 capital | 16,997 | 16,948 | 16,866 | 16,528 | 16,412 | 16,164 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 16,997 | 16,948 | 16,866 | 16,528 | 16,412 | 16,164 | RCOA8274 |
| Tier 2 capital | 1,143 | 1,122 | 1,101 | 1,100 | 1,081 | 1,026 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,143 | 1,122 | 1,101 | 1,100 | 1,081 | 1,026 | RCOA5310 |
| Total capital | 18,140 | 18,070 | 17,967 | 17,628 | 17,493 | 17,190 | RCOA3792 |
| Total risk-weighted assets | 102,119 | 101,300 | 103,697 | 101,280 | 102,770 | 102,718 | RCOAA223 |
| Average total assets for the leverage ratio | 190,697 | 188,365 | 191,071 | 190,134 | 187,075 | 188,378 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $9.0M | $39K | 0.43% | 0.04% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $89.3M | $16.6M | 18.53% | 16.21% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $19.5M | $9.8M | 50.00% | 9.55% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $883K | $1.3M | 150.00% | 1.30% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $136K | $126K | 92.65% | 0.12% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $65.2M | $65.2M | 100.00% | 63.84% | RC-R Part II, item 4.d, 5.d |
| All other assets | $6.5M | $6.4M | 98.07% | 6.22% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $2.8M | $2.8M | 100.00% | 2.71% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $600 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $102.1M | ties to item 31 ($102.1M) |
|---|---|---|
| Risk-weighted assets before deductions | $102.1M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $102.1M | RCONG641, ties |
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 | Risk-based | 16.64% | 16.64% | 17.76% | 8.91% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 16.73% | 16.73% | 17.84% | 9.00% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 16.26% | 16.26% | 17.33% | 8.83% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 16.32% | 16.32% | 17.41% | 8.69% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 15.97% | 15.97% | 17.02% | 8.77% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 15.74% | 15.74% | 16.74% | 8.58% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 15.91% | 15.91% | 16.91% | 8.61% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 16.89% | 16.89% | 18.14% | 8.92% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 17.42% | 17.42% | 18.68% | 9.81% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 17.51% | 17.51% | 18.76% | 9.89% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 17.75% | 17.75% | 19.00% | 9.87% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 16.98% | 16.98% | 18.19% | 10.10% | 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 |
|---|---|---|---|---|---|---|
| Lasalle State Bank (this bank) | Risk-based | 16.64% | 16.64% | 17.76% | 8.91% | |
| Home Bank and Trust Company | $183.3M | Risk-based | 11.11% | 11.11% | 12.36% | 8.28% |
| First Security State Bank | $183.1M | Risk-based | 19.90% | 19.90% | 20.97% | 7.60% |
| First Security Bank - Sleepy Eye | $182.8M | Risk-based | 48.24% | 48.24% | 49.27% | 15.26% |
| Citizens Bank & Trust Company | $183.7M | CBLR | NA | NA | NA | 11.14% |
| Ubank | $182.8M | CBLR | NA | NA | NA | 13.14% |
| State Bank of Southwest Missouri | $183.8M | Risk-based | 10.07% | 10.07% | 10.71% | 7.49% |
| The Putnam County National Bank of Carmel | $182.7M | CBLR | NA | NA | NA | 26.77% |
| Solomon State Bank | $182.6M | CBLR | NA | NA | NA | 19.05% |
| Danville State Savings Bank | $182.6M | CBLR | NA | NA | NA | 12.38% |
| First Federal Bank, a FSB | $182.6M | Risk-based | 12.44% | 12.44% | 13.66% | 7.82% |
| Peer 25th percentile | 11.11% | 11.11% | 12.36% | 7.93% | ||
| Peer median | 12.44% | 12.44% | 13.66% | 11.76% | ||
| Peer 75th percentile | 19.90% | 19.90% | 20.97% | 14.73% | ||
| This bank's percentile | 60 | 60 | 60 | 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/956134/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.