Mid-Southern Savings Bank, F.S.B.: Regulatory Capital and Risk-Weighted Assets
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As of 1Q25, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 1Q25
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 15.55% +6.55 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 | $35.6M | 35,616 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $229.0M | 228,981 | RCOAA224 |
| Recomputed ratio | 15.55% | numerator / denominator | |
| Filed ratio | 15.55% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +6.55 pp | $15.0M | 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 | 1Q25 | Source |
|---|---|---|
| Common stock plus related surplus, net of treasury stock | 17,478 | RCOAP742 |
| Retained earnings | 18,138 | RCOAKW00 |
| Accumulated other comprehensive income | (579) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 35,037 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 579 | P859 - P840 |
| Common equity Tier 1 capital | 35,616 | RCOAP859 |
| Additional Tier 1 capital | 0 | RCOAP865 |
| Tier 1 capital | 35,616 | RCOA8274 |
| Tier 2 capital | NA | |
| Allowance includable in Tier 2 capital | NA | |
| Total capital | NA | |
| Average total assets for the leverage ratio | 228,981 | 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 |
|---|---|---|---|---|---|---|---|---|---|
| 1Q25 | CBLR | NA | NA | NA | 15.55% | 14.75% | 14.78% | 15.92% | 10.69% |
| 4Q24 | CBLR | NA | NA | NA | 14.75% | 14.62% | 14.67% | 15.71% | 10.60% |
| 3Q24 | CBLR | NA | NA | NA | 17.80% | 14.65% | 14.65% | 15.77% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 17.33% | 14.52% | 14.54% | 15.66% | 10.59% |
| 1Q24 | CBLR | NA | NA | NA | 15.68% | 14.54% | 14.58% | 15.68% | 10.53% |
| 4Q23 | CBLR | NA | NA | NA | 15.41% | 14.40% | 14.42% | 15.55% | 10.54% |
| 3Q23 | CBLR | NA | NA | NA | 15.47% | 14.62% | 14.64% | 15.73% | 10.58% |
| 2Q23 | CBLR | NA | NA | NA | 15.56% | 14.60% | 14.62% | 15.75% | 10.48% |
| 1Q23 | CBLR | NA | NA | NA | 15.33% | 14.64% | 14.65% | 15.74% | 10.35% |
| 4Q22 | CBLR | NA | NA | NA | 15.38% | 14.41% | 14.44% | 15.53% | 10.27% |
| 3Q22 | CBLR | NA | NA | NA | 15.38% | 14.62% | 14.66% | 15.70% | 10.17% |
| 2Q22 | CBLR | NA | NA | NA | 15.75% | 14.79% | 14.82% | 15.85% | 9.99% |
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, 1Q25
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Mid-Southern Savings Bank, F.S.B. (this bank) | CBLR | NA | NA | NA | 15.55% | |
| Neighborhood National Bank | $228.0M | CBLR | NA | NA | NA | 12.56% |
| Embassy National Bank | $227.9M | Risk-based | 14.74% | 14.74% | 15.94% | 11.89% |
| Bank of Wiggins | $228.1M | CBLR | NA | NA | NA | 15.27% |
| United Bank and Trust Company | $228.4M | CBLR | NA | NA | NA | 14.60% |
| Charter Bank | $227.5M | CBLR | NA | NA | NA | 11.12% |
| Triad Bank, N.A. | $228.6M | CBLR | NA | NA | NA | 12.95% |
| First Bank and Trust Company of Illinois | $228.6M | Risk-based | 21.94% | 21.94% | 23.19% | 13.85% |
| The Citizens Bank | $228.6M | Risk-based | 14.96% | 14.96% | 16.15% | 8.27% |
| Stockgrowers State Bank | $227.1M | CBLR | NA | NA | NA | 12.02% |
| Texas Heritage Bank | $227.1M | Risk-based | 13.24% | 13.24% | 14.49% | 9.45% |
| Peer 25th percentile | 14.37% | 14.37% | 15.58% | 11.31% | ||
| Peer median | 14.85% | 14.85% | 16.05% | 12.29% | ||
| Peer 75th percentile | 16.70% | 16.70% | 17.91% | 13.63% | ||
| 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/857875/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.