Leighton 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 10.99% +1.99 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 | $32.5M | 32,474 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $295.4M | 295,403 | RCOAA224 |
| Recomputed ratio | 10.99% | numerator / denominator | |
| Filed ratio | 10.99% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.99 pp | $5.9M | 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 | 7,214 | 7,214 | 7,214 | 7,214 | 7,214 | 7,214 | RCOAP742 |
| Retained earnings | 28,167 | 27,574 | 26,352 | 25,799 | 25,324 | 24,885 | RCOAKW00 |
| Accumulated other comprehensive income | (1,241) | (1,373) | (971) | (1,110) | (1,899) | (2,106) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 34,140 | 33,415 | 32,595 | 31,903 | 30,639 | 29,993 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (1,666) | (1,540) | (1,853) | (1,834) | (1,078) | (880) | P859 - P840 |
| Common equity Tier 1 capital | 32,474 | 31,875 | 30,742 | 30,069 | 29,561 | 29,113 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 32,474 | 31,875 | 30,742 | 30,069 | 29,561 | 29,113 | RCOA8274 |
| Tier 2 capital | NA | 1,854 | 1,787 | 2,165 | 2,090 | 2,017 | |
| Allowance includable in Tier 2 capital | NA | 1,854 | 1,787 | 2,165 | 2,090 | 2,017 | |
| Total capital | NA | 33,729 | 32,529 | 32,234 | 31,651 | 31,130 | |
| Total risk-weighted assets | NA | 222,073 | 218,576 | 214,322 | 207,748 | 204,533 | |
| Average total assets for the leverage ratio | 295,403 | 288,221 | 282,396 | 275,255 | 272,443 | 273,695 | 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 | 10.99% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 14.35% | 14.35% | 15.19% | 11.06% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 14.06% | 14.06% | 14.88% | 10.89% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 14.03% | 14.03% | 15.04% | 10.92% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 14.23% | 14.23% | 15.24% | 10.85% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 14.23% | 14.23% | 15.22% | 10.64% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 13.82% | 13.82% | 14.76% | 10.65% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 14.35% | 14.35% | 15.33% | 10.83% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 13.99% | 13.99% | 14.93% | 10.43% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 13.41% | 13.41% | 14.66% | 10.58% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 13.40% | 13.40% | 14.65% | 10.46% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 14.02% | 14.02% | 15.28% | 10.78% | 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 |
|---|---|---|---|---|---|---|
| Leighton State Bank (this bank) | CBLR | NA | NA | NA | 10.99% | |
| Redstone Bank | $298.2M | CBLR | NA | NA | NA | 11.98% |
| Grant County Bank | $298.4M | CBLR | NA | NA | NA | 13.34% |
| Minnesota National Bank | $298.4M | Risk-based | 11.55% | 11.55% | 12.61% | 9.77% |
| Caldwell Bank & Trust Company | $298.6M | CBLR | NA | NA | NA | 10.03% |
| First Security Bank of Nevada | $297.7M | CBLR | NA | NA | NA | 26.27% |
| Merchants and Farmers Bank | $297.6M | Risk-based | 12.33% | 12.33% | 13.58% | 10.74% |
| The First National Bank of Pandora | $299.0M | Risk-based | 11.16% | 11.16% | 12.38% | 8.07% |
| Bank of Crockett | $299.1M | Risk-based | 13.31% | 13.31% | 14.56% | 10.46% |
| Farmers Savings Bank | $299.1M | CBLR | NA | NA | NA | 10.99% |
| Farmers Bank | $297.3M | CBLR | NA | NA | NA | 13.02% |
| Peer 25th percentile | 11.46% | 11.46% | 12.55% | 10.14% | ||
| Peer median | 11.94% | 11.94% | 13.10% | 10.86% | ||
| Peer 75th percentile | 12.58% | 12.58% | 13.83% | 12.76% | ||
| This bank's percentile | NA | NA | NA | 60 |
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/936640/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.