MainStreet Community Bank of Florida: 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 9.45% +0.45 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 | $90.5M | 90,483 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $957.7M | 957,749 | RCOAA224 |
| Recomputed ratio | 9.45% | numerator / denominator | |
| Filed ratio | 9.45% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.45 pp | $4.3M | 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 | 38,904 | 38,904 | 38,904 | 38,904 | 38,904 | 38,904 | RCOAP742 |
| Retained earnings | 49,631 | 46,779 | 44,711 | 42,860 | 40,322 | 39,491 | RCOAKW00 |
| Accumulated other comprehensive income | (6,724) | (6,992) | (6,611) | (7,585) | (9,664) | (10,169) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 81,811 | 78,691 | 77,004 | 74,179 | 69,562 | 68,226 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 6,672 | 6,940 | 6,559 | 7,533 | 9,612 | 10,117 | P859 - P840 |
| Common equity Tier 1 capital | 88,483 | 85,631 | 83,563 | 81,712 | 79,174 | 78,343 | RCOAP859 |
| Additional Tier 1 capital | 2,000 | 2,000 | 2,000 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 90,483 | 87,631 | 85,563 | 81,712 | 79,174 | 78,343 | 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 | 957,749 | 937,278 | 940,096 | 919,951 | 887,153 | 861,880 | 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 | 9.45% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.35% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 9.10% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 8.88% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 8.92% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 9.09% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 9.04% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 8.86% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 8.97% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 9.13% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 8.85% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 9.84% | 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 |
|---|---|---|---|---|---|---|
| MainStreet Community Bank of Florida (this bank) | CBLR | NA | NA | NA | 9.45% | |
| The Killbuck Savings Bank Company | $953.8M | Risk-based | 12.93% | 12.93% | 13.73% | 9.49% |
| Texas Bank | $953.9M | CBLR | NA | NA | NA | 10.61% |
| First National Bank of Middle Tennessee | $952.4M | CBLR | NA | NA | NA | 10.03% |
| Central Bank | $954.6M | Risk-based | 10.32% | 10.32% | 11.57% | 9.37% |
| First Bank & Trust Company | $952.1M | Risk-based | 20.02% | 20.02% | 21.27% | 14.89% |
| First State Bank | $951.5M | CBLR | NA | NA | NA | 10.67% |
| Stone Bank | $950.7M | Risk-based | 10.40% | 10.40% | 11.65% | 8.37% |
| First National Bank of Oklahoma | $949.9M | Risk-based | 13.23% | 13.23% | 14.48% | 10.46% |
| Peer 25th percentile | 10.40% | 10.40% | 11.65% | 9.46% | ||
| Peer median | 12.93% | 12.93% | 13.73% | 10.24% | ||
| Peer 75th percentile | 13.23% | 13.23% | 14.48% | 10.63% | ||
| This bank's percentile | NA | NA | NA | 25 |
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/3217957/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.