Lone Oak Bank, N.A.: 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 15.26% +6.26 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 | $18.2M | 18,177 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $119.1M | 119,104 | RCOAA224 |
| Recomputed ratio | 15.26% | numerator / denominator | |
| Filed ratio | 15.26% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +6.26 pp | $7.5M | 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 | 525 | 525 | 525 | 525 | 525 | 525 | RCOAP742 |
| Retained earnings | 18,392 | 17,419 | 16,378 | 16,986 | 16,240 | 15,532 | RCOAKW00 |
| Accumulated other comprehensive income | (34) | (12) | 7 | 8 | (14) | (10) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 18,883 | 17,932 | 16,910 | 17,519 | 16,751 | 16,047 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (706) | (738) | (766) | (776) | (762) | 10 | P859 - P840 |
| Common equity Tier 1 capital | 18,177 | 17,194 | 16,144 | 16,743 | 15,989 | 16,057 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 18,177 | 17,194 | 16,144 | 16,743 | 15,989 | 16,057 | 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 | 119,104 | 117,191 | 107,968 | 107,786 | 101,562 | 99,728 | 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 | 15.26% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 14.67% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 14.95% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 15.53% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 15.74% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 16.10% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 16.02% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 16.85% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 15.97% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 15.58% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 15.03% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 15.81% | 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 |
|---|---|---|---|---|---|---|
| Lone Oak Bank, N.A. (this bank) | CBLR | NA | NA | NA | 15.26% | |
| Community Savings Bank | $119.6M | CBLR | NA | NA | NA | 14.76% |
| First Community Bank of Moultrie County | $119.7M | Risk-based | 19.07% | 19.07% | 20.32% | 9.13% |
| Fredonia Valley Bank | $119.8M | CBLR | NA | NA | NA | 11.49% |
| The Hamilton Bank | $119.8M | Risk-based | 17.21% | 17.21% | 17.63% | 9.29% |
| Farmers & Merchants Bank of North Dakota | $119.8M | Risk-based | 20.78% | 20.78% | 21.49% | 10.99% |
| Peoples Bank Mt Washington | $120.0M | Risk-based | 12.93% | 12.93% | 14.15% | 10.59% |
| Centrebank | $120.0M | CBLR | NA | NA | NA | 17.16% |
| Global Innovations Bank | $120.1M | Risk-based | 11.57% | 11.57% | 12.48% | 8.47% |
| United Bank & Trust Co. | $120.1M | Risk-based | 16.47% | 16.47% | 17.70% | 10.46% |
| American Metro Bank | $119.1M | CBLR | NA | NA | NA | 13.10% |
| Peer 25th percentile | 13.81% | 13.81% | 15.02% | 9.59% | ||
| Peer median | 16.84% | 16.84% | 17.67% | 10.79% | ||
| Peer 75th percentile | 18.60% | 18.60% | 19.67% | 12.70% | ||
| This bank's percentile | NA | NA | NA | 90 |
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/665258/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.