Murphy-Wall State Bank and Trust Company: 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 11.01% +2.01 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 | $22.3M | 22,324 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $202.8M | 202,791 | RCOAA224 |
| Recomputed ratio | 11.01% | numerator / denominator | |
| Filed ratio | 11.01% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.01 pp | $4.1M | 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 | 11,656 | 11,656 | 11,656 | 11,656 | 11,656 | 11,656 | RCOAP742 |
| Retained earnings | 12,379 | 11,787 | 11,422 | 12,916 | 12,579 | 12,317 | RCOAKW00 |
| Accumulated other comprehensive income | (2,888) | (3,032) | (2,757) | (3,018) | (3,879) | (3,781) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 21,147 | 20,411 | 20,321 | 21,554 | 20,356 | 20,192 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,177 | 1,311 | 1,026 | 1,277 | 2,128 | 2,020 | P859 - P840 |
| Common equity Tier 1 capital | 22,324 | 21,722 | 21,347 | 22,831 | 22,484 | 22,212 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 22,324 | 21,722 | 21,347 | 22,831 | 22,484 | 22,212 | 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 | 202,791 | 202,817 | 200,545 | 200,522 | 197,767 | 193,401 | 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 | 11.01% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 10.71% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.64% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 11.39% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 11.37% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 11.48% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 10.86% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 11.04% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 10.97% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 10.23% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.67% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.53% | 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 |
|---|---|---|---|---|---|---|
| Murphy-Wall State Bank and Trust Company (this bank) | CBLR | NA | NA | NA | 11.01% | |
| Union State Bank | $206.2M | CBLR | NA | NA | NA | 10.29% |
| Badger Bank | $206.0M | CBLR | NA | NA | NA | 12.40% |
| Liberty Bank | $206.0M | Risk-based | 12.41% | 12.41% | 13.29% | 9.35% |
| The Halstead Bank | $205.9M | Risk-based | 11.32% | 11.32% | 12.57% | 8.56% |
| Legacy State Bank | $205.9M | CBLR | NA | NA | NA | 12.05% |
| State Bank Northwest | $206.4M | Risk-based | 16.79% | 16.79% | 17.59% | 13.93% |
| First Cahawba Bank | $205.7M | CBLR | NA | NA | NA | 10.81% |
| Wadena State Bank | $206.6M | CBLR | NA | NA | NA | 9.84% |
| Fwbank | $206.7M | CBLR | NA | NA | NA | 12.51% |
| Peer 25th percentile | 11.86% | 11.86% | 12.93% | 9.84% | ||
| Peer median | 12.41% | 12.41% | 13.29% | 10.81% | ||
| Peer 75th percentile | 14.60% | 14.60% | 15.44% | 12.40% | ||
| This bank's percentile | NA | NA | NA | 56 |
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/478140/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.