Muenster State 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 14.78% +5.78 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 | $34.0M | 34,048 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $230.4M | 230,409 | RCOAA224 |
| Recomputed ratio | 14.78% | numerator / denominator | |
| Filed ratio | 14.78% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +5.78 pp | $13.3M | 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 | 5,054 | 5,054 | 5,054 | 5,054 | 5,642 | 5,642 | RCOAP742 |
| Retained earnings | 28,994 | 27,659 | 26,354 | 28,703 | 27,396 | 26,234 | RCOAKW00 |
| Accumulated other comprehensive income | (6,424) | (6,449) | (5,934) | (6,651) | (7,811) | (8,757) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 27,624 | 26,264 | 25,474 | 27,106 | 25,227 | 23,119 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 6,424 | 6,449 | 5,934 | 6,651 | 7,811 | 8,757 | P859 - P840 |
| Common equity Tier 1 capital | 34,048 | 32,713 | 31,408 | 33,757 | 33,038 | 31,876 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 34,048 | 32,713 | 31,408 | 33,757 | 33,038 | 31,876 | 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 | 230,409 | 227,628 | 227,519 | 228,011 | 225,915 | 230,013 | 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 | 14.78% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 14.37% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 13.80% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 14.80% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 14.62% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 13.86% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 13.78% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 14.99% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 14.26% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 13.78% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 13.37% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 14.37% | 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 |
|---|---|---|---|---|---|---|
| Muenster State Bank (this bank) | CBLR | NA | NA | NA | 14.78% | |
| Stockgrowers State Bank | $227.1M | CBLR | NA | NA | NA | 14.13% |
| Eagle Bank | $226.9M | Risk-based | 22.37% | 22.37% | 23.62% | 14.35% |
| Community Bank of Cameron | $226.9M | Risk-based | 13.42% | 13.42% | 14.67% | 9.00% |
| Charter Bank | $227.5M | CBLR | NA | NA | NA | 11.03% |
| First Farmers and Commercial Bank | $226.4M | Risk-based | 14.54% | 14.54% | 15.80% | 9.86% |
| Embassy National Bank | $227.9M | Risk-based | 13.64% | 13.64% | 14.77% | 10.95% |
| Neighborhood National Bank | $228.0M | CBLR | NA | NA | NA | 11.63% |
| Bank of Wiggins | $228.1M | CBLR | NA | NA | NA | 12.93% |
| Peer 25th percentile | 13.59% | 13.59% | 14.74% | 10.68% | ||
| Peer median | 14.09% | 14.09% | 15.28% | 11.33% | ||
| Peer 75th percentile | 16.50% | 16.50% | 17.75% | 13.23% | ||
| 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/765662/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.