Local 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 14.29% +5.29 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 | $14.9M | 14,923 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $104.4M | 104,426 | RCOAA224 |
| Recomputed ratio | 14.29% | numerator / denominator | |
| Filed ratio | 14.29% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +5.29 pp | $5.5M | 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 | 18,851 | 18,851 | 18,855 | 19,139 | 15,960 | 15,960 | RCOAP742 |
| Retained earnings | (1,746) | (1,534) | (944) | (722) | (906) | (1,042) | RCOAKW00 |
| Accumulated other comprehensive income | (40) | (43) | (19) | (4) | (58) | (72) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 17,065 | 17,274 | 17,892 | 18,413 | 14,996 | 14,846 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (2,142) | (2,148) | (2,072) | (1,841) | (1,102) | (1,879) | P859 - P840 |
| Common equity Tier 1 capital | 14,923 | 15,126 | 15,820 | 16,572 | 13,894 | 12,967 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 14,923 | 15,126 | 15,820 | 16,572 | 13,894 | 12,967 | 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 | 104,426 | 102,749 | 109,219 | 95,116 | 85,806 | 75,143 | 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 | 14.29% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 14.72% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 14.48% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 17.42% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 16.19% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 17.26% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 19.79% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 23.47% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 24.32% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 28.65% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 33.11% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 40.90% | 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 |
|---|---|---|---|---|---|---|
| Local Bank (this bank) | CBLR | NA | NA | NA | 14.29% | |
| Midland Federal Savings and Loan Association | $111.2M | Risk-based | 24.04% | 24.04% | 25.14% | 8.50% |
| Carver State Bank | $111.2M | CBLR | NA | NA | NA | 14.99% |
| The State Bank of Wynnewood | $111.4M | CBLR | NA | NA | NA | 15.63% |
| Anna State Bank | $111.6M | CBLR | NA | NA | NA | 12.54% |
| Integrity Bank for Business | $111.7M | Risk-based | 38.32% | 38.32% | 38.78% | 24.06% |
| Pikes Peak National Bank | $110.8M | Risk-based | 22.01% | 22.01% | 23.26% | 15.56% |
| Central Savings, F.S.B. | $111.9M | Risk-based | 33.86% | 33.86% | 35.11% | 25.49% |
| TPNB Bank | $112.0M | Risk-based | 18.36% | 18.36% | 19.27% | 15.15% |
| The First National Bank of Coleraine | $112.0M | Risk-based | 18.70% | 18.70% | 19.61% | 7.63% |
| The Bank of Grain Valley | $110.6M | CBLR | NA | NA | NA | 23.96% |
| Peer 25th percentile | 19.53% | 19.53% | 20.52% | 13.15% | ||
| Peer median | 23.02% | 23.02% | 24.20% | 15.36% | ||
| Peer 75th percentile | 31.40% | 31.40% | 32.62% | 21.88% | ||
| 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/470434/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.