Legacy State 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 12.05% +3.05 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 | $25.1M | 25,110 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $208.3M | 208,316 | RCOAA224 |
| Recomputed ratio | 12.05% | numerator / denominator | |
| Filed ratio | 12.05% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +3.05 pp | $6.4M | 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 | 33,440 | 33,410 | 33,410 | 33,410 | 33,410 | 33,410 | RCOAP742 |
| Retained earnings | (8,821) | (9,449) | (9,934) | (10,540) | (11,033) | (11,562) | RCOAKW00 |
| Accumulated other comprehensive income | (2,209) | (2,072) | (1,883) | (1,959) | (2,416) | (2,441) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 22,410 | 21,889 | 21,593 | 20,911 | 19,961 | 19,407 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,860 | 1,556 | 1,238 | 1,153 | 1,479 | 1,364 | P859 - P840 |
| Common equity Tier 1 capital | 24,270 | 23,445 | 22,831 | 22,064 | 21,440 | 20,771 | RCOAP859 |
| Additional Tier 1 capital | 840 | 840 | 840 | 840 | 840 | 840 | RCOAP865 |
| Tier 1 capital | 25,110 | 24,285 | 23,671 | 22,904 | 22,280 | 21,611 | RCOA8274 |
| Tier 2 capital | NA | 1,856 | 1,811 | 1,791 | 1,731 | 1,633 | |
| Allowance includable in Tier 2 capital | NA | 1,856 | 1,811 | 1,791 | 1,731 | 1,633 | |
| Total capital | NA | 26,141 | 25,482 | 24,695 | 24,011 | 23,244 | |
| Total risk-weighted assets | NA | 171,059 | 157,884 | 152,659 | 148,067 | 146,019 | |
| Average total assets for the leverage ratio | 208,316 | 200,555 | 192,218 | 184,885 | 181,148 | 178,765 | 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 | 12.05% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 13.71% | 14.20% | 15.28% | 12.11% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 14.46% | 14.99% | 16.14% | 12.31% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 14.45% | 15.00% | 16.18% | 12.39% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 14.48% | 15.05% | 16.22% | 12.30% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 14.22% | 14.80% | 15.92% | 12.09% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 14.60% | 15.20% | 16.34% | 12.22% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 14.59% | 15.21% | 16.37% | 11.95% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 13.99% | 14.60% | 15.72% | 11.68% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 14.47% | 15.12% | 16.31% | 11.71% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 14.79% | 15.47% | 16.61% | 12.09% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 15.11% | 15.82% | 16.98% | 12.02% | 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 |
|---|---|---|---|---|---|---|
| Legacy State Bank (this bank) | CBLR | NA | NA | NA | 12.05% | |
| The Halstead Bank | $205.9M | Risk-based | 11.32% | 11.32% | 12.57% | 8.56% |
| First Cahawba Bank | $205.7M | CBLR | NA | NA | NA | 10.81% |
| Liberty Bank | $206.0M | Risk-based | 12.41% | 12.41% | 13.29% | 9.35% |
| Badger Bank | $206.0M | CBLR | NA | NA | NA | 12.40% |
| Murphy-Wall State Bank and Trust Company | $206.1M | CBLR | NA | NA | NA | 11.01% |
| Union State Bank | $206.2M | CBLR | NA | NA | NA | 10.29% |
| State Bank Northwest | $206.4M | Risk-based | 16.79% | 16.79% | 17.59% | 13.93% |
| Wadena State Bank | $206.6M | CBLR | NA | NA | NA | 9.84% |
| Fwbank | $206.7M | CBLR | NA | NA | NA | 12.51% |
| Peer 25th percentile | 11.86% | 11.86% | 12.93% | 9.84% | ||
| Peer median | 12.41% | 12.41% | 13.29% | 10.81% | ||
| Peer 75th percentile | 14.60% | 14.60% | 15.44% | 12.40% | ||
| This bank's percentile | NA | NA | NA | 67 |
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/3340903/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.