Marathon 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 15.34% +6.34 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 | 38,999 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $254.3M | 254,299 | RCOAA224 |
| Recomputed ratio | 15.34% | numerator / denominator | |
| Filed ratio | 15.34% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +6.34 pp | $16.1M | 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 | 10,922 | 10,845 | 10,768 | 10,693 | 10,620 | 4,191 | RCOAP742 |
| Retained earnings | 28,077 | 27,305 | 26,758 | 26,168 | 25,679 | 25,742 | RCOAKW00 |
| Accumulated other comprehensive income | (417) | (403) | (404) | (433) | (486) | (577) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 38,582 | 37,747 | 37,122 | 36,428 | 35,813 | 29,356 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 417 | 403 | 404 | 433 | 486 | 577 | P859 - P840 |
| Common equity Tier 1 capital | 38,999 | 38,150 | 37,526 | 36,861 | 36,299 | 29,933 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 38,999 | 38,150 | 37,526 | 36,861 | 36,299 | 29,933 | 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 | 254,299 | 248,471 | 245,672 | 245,072 | 238,697 | 223,108 | 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 | 15.34% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 15.35% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 15.27% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 15.04% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 15.21% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 13.42% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 13.64% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 13.42% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 13.04% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 12.71% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 12.35% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 12.36% | 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 |
|---|---|---|---|---|---|---|
| Marathon Bank (this bank) | CBLR | NA | NA | NA | 15.34% | |
| Grand Rapids State Bank | $261.1M | CBLR | NA | NA | NA | 10.03% |
| Guadalupe Bank | $261.1M | Risk-based | 12.80% | 12.80% | 13.94% | 9.93% |
| AB&T | $261.2M | Risk-based | 16.96% | 16.96% | 18.22% | 11.85% |
| First Bank of Central Ohio | $260.9M | CBLR | NA | NA | NA | 9.86% |
| YNB | $261.4M | Risk-based | 12.25% | 12.25% | 12.93% | 8.45% |
| Bank of Salem | $261.5M | CBLR | NA | NA | NA | 12.43% |
| Clarion County Community Bank | $261.6M | Risk-based | 10.60% | 10.60% | 11.41% | 8.01% |
| Bank of Holland | $261.6M | Risk-based | 14.59% | 14.59% | 15.79% | 8.77% |
| Commercial State Bank of Wagner | $260.4M | CBLR | NA | NA | NA | 11.82% |
| Peer 25th percentile | 12.25% | 12.25% | 12.93% | 8.77% | ||
| Peer median | 12.80% | 12.80% | 13.94% | 9.93% | ||
| Peer 75th percentile | 14.59% | 14.59% | 15.79% | 11.82% | ||
| This bank's percentile | NA | NA | NA | 100 |
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/596978/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.