Meadows Bank: Regulatory Capital and Risk-Weighted Assets
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As of 1Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 1Q26
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 13.95% +4.95 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 | $195.9M | 195,882 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.40B | 1,404,589 | RCOAA224 |
| Recomputed ratio | 13.95% | numerator / denominator | |
| Filed ratio | 13.95% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +4.95 pp | $69.5M | 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 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 45,911 | 45,911 | 45,911 | 45,911 | 45,911 | RCOAP742 |
| Retained earnings | 150,819 | 154,212 | 147,592 | 141,086 | 135,140 | RCOAKW00 |
| Accumulated other comprehensive income | (2,214) | (2,202) | (2,269) | (2,513) | (2,612) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 194,516 | 197,921 | 191,234 | 184,484 | 178,439 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,366 | 1,261 | 1,243 | 1,286 | 1,337 | P859 - P840 |
| Common equity Tier 1 capital | 195,882 | 199,182 | 192,477 | 185,770 | 179,776 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 195,882 | 199,182 | 192,477 | 185,770 | 179,776 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 1,404,589 | 1,431,333 | 1,390,481 | 1,363,337 | 1,318,340 | 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 |
|---|---|---|---|---|---|---|---|---|---|
| 1Q26 | CBLR | NA | NA | NA | 13.95% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 13.92% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | CBLR | NA | NA | NA | 13.84% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | CBLR | NA | NA | NA | 13.63% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | CBLR | NA | NA | NA | 13.64% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | CBLR | NA | NA | NA | 13.80% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | CBLR | NA | NA | NA | 13.96% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | CBLR | NA | NA | NA | 14.04% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | CBLR | NA | NA | NA | 13.61% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | CBLR | NA | NA | NA | 14.17% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 14.02% | 12.78% | 12.79% | 13.93% | 10.03% |
| 2Q23 | CBLR | NA | NA | NA | 13.72% | 12.75% | 12.77% | 13.90% | 9.94% |
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, 1Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Meadows Bank (this bank) | CBLR | NA | NA | NA | 13.95% | |
| Northwest Bank | $1.45B | CBLR | NA | NA | NA | 15.69% |
| Malaga Bank, FSB | $1.45B | Risk-based | 27.57% | 27.57% | 28.01% | 16.60% |
| Apex Bank | $1.46B | Risk-based | 22.83% | 22.83% | 24.08% | 14.45% |
| American State Bank | $1.45B | Risk-based | 11.73% | 11.73% | 12.96% | 10.63% |
| Pegasus Bank | $1.46B | Risk-based | 16.51% | 16.51% | 17.60% | 11.27% |
| Ameriserv Financial Bank | $1.46B | Risk-based | 11.80% | 11.80% | 12.98% | 9.45% |
| The Union Bank Company | $1.44B | Risk-based | 14.49% | 14.49% | 15.66% | 9.73% |
| North State Bank | $1.46B | Risk-based | 11.15% | 11.15% | 11.87% | 8.51% |
| Central Bank Illinois | $1.46B | CBLR | NA | NA | NA | 10.36% |
| American Riviera Bank | $1.44B | Risk-based | 12.69% | 12.69% | 13.82% | 11.16% |
| Peer 25th percentile | 11.78% | 11.78% | 12.97% | 9.89% | ||
| Peer median | 13.59% | 13.59% | 14.74% | 10.89% | ||
| Peer 75th percentile | 18.09% | 18.09% | 19.22% | 13.66% | ||
| This bank's percentile | NA | NA | NA | 70 |
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/3719648/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.