The Lauderdale County 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 11.54% +2.54 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 | $8.0M | 8,031 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $69.6M | 69,568 | RCOAA224 |
| Recomputed ratio | 11.54% | numerator / denominator | |
| Filed ratio | 11.54% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.54 pp | $1.8M | 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 | 1,330 | 1,330 | 1,330 | 1,330 | 1,330 | 1,330 | RCOAP742 |
| Retained earnings | 6,701 | 6,552 | 6,425 | 6,288 | 6,186 | 6,072 | RCOAKW00 |
| Accumulated other comprehensive income | (1,560) | (1,593) | (1,347) | (1,451) | (1,665) | (1,757) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 6,471 | 6,289 | 6,408 | 6,167 | 5,851 | 5,645 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,560 | 1,593 | 1,347 | 1,451 | 1,665 | 1,757 | P859 - P840 |
| Common equity Tier 1 capital | 8,031 | 7,882 | 7,755 | 7,618 | 7,516 | 7,402 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 8,031 | 7,882 | 7,755 | 7,618 | 7,516 | 7,402 | 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 | 69,568 | 69,366 | 62,999 | 61,519 | 62,475 | 62,293 | 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 | 11.54% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | CBLR | NA | NA | NA | 11.36% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | CBLR | NA | NA | NA | 12.31% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | CBLR | NA | NA | NA | 12.38% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | CBLR | NA | NA | NA | 12.03% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | CBLR | NA | NA | NA | 11.88% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | CBLR | NA | NA | NA | 11.76% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | CBLR | NA | NA | NA | 11.83% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | CBLR | NA | NA | NA | 11.99% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | CBLR | NA | NA | NA | 11.37% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | CBLR | NA | NA | NA | 11.21% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | CBLR | NA | NA | NA | 11.37% | 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 |
|---|---|---|---|---|---|---|
| The Lauderdale County Bank (this bank) | CBLR | NA | NA | NA | 11.54% | |
| Bank of Bearden | $67.4M | Risk-based | 20.07% | 20.07% | 21.10% | 11.29% |
| The Bank of Houston | $67.4M | CBLR | NA | NA | NA | 14.14% |
| Jackson Parish Bank | $67.3M | CBLR | NA | NA | NA | 20.77% |
| Homewood Federal Savings Bank | $67.3M | Risk-based | 38.05% | 38.05% | 39.15% | 26.12% |
| The Port Austin State Bank | $67.8M | CBLR | NA | NA | NA | 18.44% |
| Community Bank of Oklahoma | $67.3M | CBLR | NA | NA | NA | 12.10% |
| Farmers & Traders Bank of Campton | $67.2M | Risk-based | 12.76% | 12.76% | 13.65% | 9.24% |
| First Federal Bank Littlefield, Texas, SSB | $67.9M | CBLR | NA | NA | NA | 17.40% |
| Abbeville Building and Loan, a State Chartered Savings Bank | $67.9M | Risk-based | 39.68% | 39.68% | 40.48% | 29.43% |
| Farmers State Bank | $66.9M | Risk-based | 14.32% | 14.32% | 15.41% | 8.18% |
| Peer 25th percentile | 14.32% | 14.32% | 15.41% | 11.49% | ||
| Peer median | 20.07% | 20.07% | 21.10% | 15.77% | ||
| Peer 75th percentile | 38.05% | 38.05% | 39.15% | 20.19% | ||
| This bank's percentile | NA | NA | NA | 30 |
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/82350/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.