The Millyard 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 9.70% +0.70 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 | $31.3M | 31,254 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $322.1M | 322,113 | RCOAA224 |
| Recomputed ratio | 9.70% | numerator / denominator | |
| Filed ratio | 9.70% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.70 pp | $2.3M | 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 | 31,943 | 27,081 | 27,061 | 27,044 | 27,028 | 27,013 | RCOAP742 |
| Retained earnings | (690) | (1,220) | (1,695) | (2,189) | (2,520) | (2,615) | RCOAKW00 |
| Accumulated other comprehensive income | (656) | (659) | (640) | (672) | (761) | (778) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 30,597 | 25,202 | 24,726 | 24,183 | 23,747 | 23,620 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 657 | 636 | 579 | 605 | 622 | 598 | P859 - P840 |
| Common equity Tier 1 capital | 31,254 | 25,838 | 25,305 | 24,788 | 24,369 | 24,218 | RCOAP859 |
| Additional Tier 1 capital | 0 | 4,847 | 4,847 | 4,851 | 4,859 | 3,803 | RCOAP865 |
| Tier 1 capital | 31,254 | 30,685 | 30,152 | 29,639 | 29,228 | 28,021 | 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 | 322,113 | 306,989 | 298,655 | 290,131 | 261,150 | 244,651 | 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 | 9.70% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 10.00% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.10% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 10.22% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 11.19% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 11.45% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 12.23% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 11.89% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 12.12% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 14.62% | 16.97% | 18.02% | 11.93% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 15.03% | 15.03% | 16.05% | 10.43% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 16.26% | 16.26% | 17.32% | 11.41% | 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 |
|---|---|---|---|---|---|---|
| The Millyard Bank (this bank) | CBLR | NA | NA | NA | 9.70% | |
| Global One Bank | $333.2M | Risk-based | 18.38% | 18.38% | 19.63% | 14.47% |
| STRYV Bank | $333.3M | Risk-based | 9.96% | 9.96% | 10.94% | 8.91% |
| Stock Growers Bank | $332.9M | CBLR | NA | NA | NA | 11.56% |
| The Havana National Bank | $332.8M | CBLR | NA | NA | NA | 12.17% |
| Bank of Newington | $333.8M | Risk-based | 11.35% | 11.35% | 12.61% | 9.07% |
| O'Bannon Banking Company | $332.6M | CBLR | NA | NA | NA | 9.36% |
| Community State Bank of Missouri | $333.9M | CBLR | NA | NA | NA | 11.02% |
| Ultima Bank Minnesota | $333.9M | CBLR | NA | NA | NA | 10.83% |
| Clare Bank, N.A. | $332.5M | Risk-based | 24.17% | 24.17% | 24.71% | 11.64% |
| Bank of Commerce | $334.0M | CBLR | NA | NA | NA | 10.54% |
| Peer 25th percentile | 11.00% | 11.00% | 12.20% | 9.65% | ||
| Peer median | 14.87% | 14.87% | 16.12% | 10.93% | ||
| Peer 75th percentile | 19.83% | 19.83% | 20.90% | 11.62% | ||
| 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/5448915/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.