Ma 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 9.54% +0.54 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 | $39.0M | 38,963 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $408.5M | 408,482 | RCOAA224 |
| Recomputed ratio | 9.54% | numerator / denominator | |
| Filed ratio | 9.54% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.54 pp | $2.2M | 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 | 2,300 | 2,300 | 2,300 | 2,300 | 2,300 | 2,300 | RCOAP742 |
| Retained earnings | 37,427 | 36,989 | 36,356 | 35,472 | 35,257 | 34,698 | RCOAKW00 |
| Accumulated other comprehensive income | (1,978) | (1,965) | (718) | (1,226) | (2,388) | (3,431) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 37,749 | 37,324 | 37,938 | 36,546 | 35,169 | 33,567 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,214 | 1,201 | (46) | 463 | 1,624 | 2,667 | P859 - P840 |
| Common equity Tier 1 capital | 38,963 | 38,525 | 37,892 | 37,009 | 36,793 | 36,234 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 38,963 | 38,525 | 37,892 | 37,009 | 36,793 | 36,234 | 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 | 408,482 | 404,663 | 386,082 | 378,988 | 381,491 | 379,354 | 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 | 9.54% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.52% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 9.81% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 9.77% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 9.64% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 9.55% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 9.94% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 10.26% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 10.16% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 9.94% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.04% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.16% | 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 |
|---|---|---|---|---|---|---|
| Ma Bank (this bank) | CBLR | NA | NA | NA | 9.54% | |
| The Bank of Landisburg | $417.1M | CBLR | NA | NA | NA | 16.97% |
| Partners Bank | $417.1M | Risk-based | 15.70% | 15.70% | 16.96% | 13.73% |
| Touchmark National Bank | $416.9M | Risk-based | 44.24% | 44.24% | 45.50% | 13.11% |
| Heritage Bank & Trust | $417.8M | Risk-based | 10.24% | 10.24% | 11.50% | 8.48% |
| Dakota Heritage Bank | $416.8M | CBLR | NA | NA | NA | 9.83% |
| Chelsea State Bank | $416.5M | Risk-based | 19.50% | 19.50% | 20.76% | 12.76% |
| LSB Community Bank | $418.1M | Risk-based | 34.73% | 34.73% | 35.99% | 14.97% |
| Farmers State Bank of Calhan | $416.4M | Risk-based | 16.58% | 16.58% | 17.25% | 9.21% |
| Dakota Western Bank | $416.2M | Risk-based | 14.03% | 14.03% | 15.28% | 11.57% |
| First National Bank | $418.5M | Risk-based | 16.70% | 16.70% | 17.96% | 9.50% |
| Peer 25th percentile | 15.28% | 15.28% | 16.54% | 9.59% | ||
| Peer median | 16.64% | 16.64% | 17.60% | 12.17% | ||
| Peer 75th percentile | 23.31% | 23.31% | 24.56% | 13.57% | ||
| 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/34555/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.