Monson Savings 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 9.55% +0.55 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 | $78.8M | 78,845 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $825.8M | 825,764 | RCOAA224 |
| Recomputed ratio | 9.55% | numerator / denominator | |
| Filed ratio | 9.55% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.55 pp | $4.5M | 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 | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 1 | 1 | 1 | 1 | 1 | 1 | RCOAP742 |
| Retained earnings | 78,844 | 76,756 | 74,926 | 73,251 | 71,510 | 69,797 | RCOAKW00 |
| Accumulated other comprehensive income | (3,164) | (4,005) | (3,258) | (3,769) | (5,110) | (4,320) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 75,681 | 72,752 | 71,669 | 69,483 | 66,401 | 65,478 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,164 | 4,005 | 3,258 | 3,769 | 5,110 | 4,320 | P859 - P840 |
| Common equity Tier 1 capital | 78,845 | 76,757 | 74,927 | 73,252 | 71,511 | 69,798 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 78,845 | 76,757 | 74,927 | 73,252 | 71,511 | 69,798 | 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 | 825,764 | 784,353 | 754,811 | 749,345 | 746,937 | 735,501 | 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 | 9.55% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.79% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 9.93% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 9.78% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 9.57% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 9.49% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 9.42% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 9.41% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 9.38% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 9.62% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 9.59% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 9.46% | 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 |
|---|---|---|---|---|---|---|
| Monson Savings Bank (this bank) | CBLR | NA | NA | NA | 9.55% | |
| CNB Bank, Inc. | $805.7M | Risk-based | 14.56% | 14.56% | 15.81% | 9.50% |
| Anchor Bank | $805.5M | CBLR | NA | NA | NA | 8.85% |
| The Citizens Bank | $804.3M | Risk-based | 17.62% | 17.62% | 18.63% | 9.11% |
| Franklin Bank & Trust Company | $803.6M | CBLR | NA | NA | NA | 13.48% |
| Maverick Bank | $809.1M | CBLR | NA | NA | NA | 8.81% |
| Platte Valley Bank | $809.2M | CBLR | NA | NA | NA | 9.73% |
| MRV Banks | $803.1M | CBLR | NA | NA | NA | 11.48% |
| First Century Bank | $809.8M | Risk-based | 11.97% | 11.97% | 13.22% | 9.44% |
| Flagship Bank | $802.8M | CBLR | NA | NA | NA | 11.69% |
| Bank of Bridger, N.A. | $802.7M | Risk-based | 19.23% | 19.23% | 20.48% | 10.08% |
| Peer 25th percentile | 13.91% | 13.91% | 15.16% | 9.19% | ||
| Peer median | 16.09% | 16.09% | 17.22% | 9.62% | ||
| Peer 75th percentile | 18.02% | 18.02% | 19.09% | 11.13% | ||
| This bank's percentile | NA | NA | NA | 50 |
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/951102/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.