The Lemont National Bank: Regulatory Capital and Risk-Weighted Assets
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As of 4Q25, from Call Report Schedule RC-R.
Capital conservation buffer: -0.30% (4Q25), 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. Below 2.50%, the bank's distributions are capped by rule. Filed figure: 0.00% (RCOAH311).
What each ratio is made of, 4Q25
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 7.56% +1.06 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 | $1.0M | 1,006 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $13.3M | 13,303 | RCOAA223 |
| Recomputed ratio | 7.56% | numerator / denominator | |
| Filed ratio | 7.56% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +1.06 pp | $141K | capital that could be lost first |
Tier 1 risk-based capital ratio 7.56% -0.44 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 | $1.0M | 1,006 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $13.3M | 13,303 | RCOAA223 |
| Recomputed ratio | 7.56% | numerator / denominator | |
| Filed ratio | 7.56% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | -0.44 pp | -$58K | capital that could be lost first |
Total risk-based capital ratio 7.70% -2.30 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 | $1.0M | 1,024 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $13.3M | 13,303 | RCOAA223 |
| Recomputed ratio | 7.70% | numerator / denominator | |
| Filed ratio | 7.70% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | -2.30 pp | -$306K | capital that could be lost first |
Tier 1 leverage ratio 2.05% -2.95 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 | $1.0M | 1,006 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $49.0M | 49,037 | RCOAA224 |
| Recomputed ratio | 2.05% | numerator / denominator | |
| Filed ratio | 2.05% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | -2.95 pp | -$1.4M | 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 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 855 | 855 | 855 | 855 | RCOAP742 |
| Retained earnings | 386 | 2,022 | 2,210 | 2,307 | RCOAKW00 |
| Accumulated other comprehensive income | 57 | 59 | 62 | 65 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 1,298 | 2,936 | 3,127 | 3,227 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (292) | (246) | (230) | (207) | P859 - P840 |
| Common equity Tier 1 capital | 1,006 | 2,690 | 2,897 | 3,020 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 1,006 | 2,690 | 2,897 | 3,020 | RCOA8274 |
| Tier 2 capital | 18 | 18 | 36 | 36 | RCOA5311 |
| Allowance includable in Tier 2 capital | 18 | 18 | 36 | 36 | RCOA5310 |
| Total capital | 1,024 | 2,708 | 2,933 | 3,056 | RCOA3792 |
| Total risk-weighted assets | 13,303 | 13,618 | 13,708 | 13,967 | RCOAA223 |
| Average total assets for the leverage ratio | 49,037 | 49,760 | 51,240 | 51,734 | RCOAA224 |
Risk-weighted assets by exposure category, 4Q25
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 | $4.5M | $342K | 7.60% | 2.57% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $36.5M | $7.1M | 19.54% | 53.68% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $4.3M | $2.1M | 50.00% | 16.01% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | -$49K | -$49K | 100.00% | -0.37% | RC-R Part II, item 4.d, 5.d |
| All other assets | $3.8M | $3.5M | 92.86% | 26.59% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $404K | $202K | 50.00% | 1.52% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $13.3M | ties to item 31 ($13.3M) |
|---|---|---|
| Risk-weighted assets before deductions | $13.3M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $13.3M | 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 |
|---|---|---|---|---|---|---|---|---|---|
| 4Q25 | Risk-based | 7.56% | 7.56% | 7.70% | 2.05% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | Risk-based | 19.75% | 19.75% | 19.89% | 5.41% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | Risk-based | 21.13% | 21.13% | 21.40% | 5.65% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | Risk-based | 21.62% | 21.62% | 21.88% | 5.84% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | Risk-based | 22.09% | 22.09% | 22.34% | 5.91% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | Risk-based | 22.73% | 22.73% | 22.98% | 6.10% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | Risk-based | 23.65% | 23.65% | 23.90% | 6.31% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | Risk-based | 24.23% | 24.23% | 24.48% | 5.47% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | Risk-based | 24.13% | 24.13% | 24.37% | 5.64% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | Risk-based | 24.03% | 24.03% | 24.27% | 5.58% | 20.70% | 20.70% | 21.86% | 12.73% |
| 2Q23 | Risk-based | 23.60% | 23.60% | 23.83% | 5.42% | 19.90% | 19.90% | 21.11% | 12.34% |
| 1Q23 | Risk-based | 23.48% | 23.48% | 23.72% | 6.40% | 20.02% | 20.02% | 21.27% | 11.98% |
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, 4Q25
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| The Lemont National Bank (this bank) | Risk-based | 7.56% | 7.56% | 7.70% | 2.05% | |
| Palo Savings Bank | $49.2M | CBLR | NA | NA | NA | 12.16% |
| Buckley State Bank | $49.0M | CBLR | NA | NA | NA | 12.79% |
| The First State Bank of Ransom | $48.9M | Risk-based | 34.80% | 34.80% | 36.05% | 20.61% |
| Adp Trust Company N.A. | $48.8M | Risk-based | 366.43% | 366.43% | 366.43% | 54.44% |
| Security State Bank of Oklee | $48.8M | Risk-based | 38.67% | 38.67% | 39.92% | 15.01% |
| Peoples State Bank of Colfax | $49.5M | CBLR | NA | NA | NA | 10.93% |
| Richland State Bank | $49.6M | Risk-based | 20.94% | 20.94% | 21.74% | 14.88% |
| Bank of Brewton | $49.6M | CBLR | NA | NA | NA | 20.51% |
| The Donley County State Bank | $49.7M | Risk-based | 67.62% | 67.62% | 68.87% | 19.89% |
| Bank of Prague | $48.5M | CBLR | NA | NA | NA | 12.33% |
| Peer 25th percentile | 34.80% | 34.80% | 36.05% | 12.44% | ||
| Peer median | 38.67% | 38.67% | 39.92% | 14.95% | ||
| Peer 75th percentile | 67.62% | 67.62% | 68.87% | 20.36% | ||
| This bank's percentile | 0 | 0 | 0 | 0 |
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/480330/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.