The Murray 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 9.96% +0.96 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 | $53.9M | 53,948 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $541.9M | 541,865 | RCOAA224 |
| Recomputed ratio | 9.96% | numerator / denominator | |
| Filed ratio | 9.96% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.96 pp | $5.2M | 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 | 10,422 | 10,422 | 10,422 | 10,422 | 10,422 | 10,422 | RCOAP742 |
| Retained earnings | 43,526 | 41,964 | 39,869 | 39,285 | 37,899 | 36,298 | RCOAKW00 |
| Accumulated other comprehensive income | (5,546) | (5,807) | (5,945) | (6,475) | (7,289) | (7,758) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 48,402 | 46,579 | 44,346 | 43,232 | 41,032 | 38,962 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 5,546 | 5,807 | 5,945 | 6,475 | 7,289 | 7,758 | P859 - P840 |
| Common equity Tier 1 capital | 53,948 | 52,386 | 50,291 | 49,707 | 48,321 | 46,720 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 53,948 | 52,386 | 50,291 | 49,707 | 48,321 | 46,720 | RCOA8274 |
| Tier 2 capital | NA | 5,044 | 4,893 | 4,972 | 4,737 | 4,678 | |
| Allowance includable in Tier 2 capital | NA | 5,044 | 4,893 | 4,972 | 4,737 | 4,678 | |
| Total capital | NA | 57,430 | 55,184 | 54,679 | 53,058 | 51,398 | |
| Total risk-weighted assets | NA | 402,498 | 390,512 | 396,716 | 377,764 | 373,128 | |
| Average total assets for the leverage ratio | 541,865 | 548,191 | 550,255 | 547,191 | 535,342 | 525,748 | 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 | 9.96% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 13.02% | 13.02% | 14.27% | 9.56% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 12.88% | 12.88% | 14.13% | 9.14% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 12.53% | 12.53% | 13.78% | 9.08% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 12.79% | 12.79% | 14.05% | 9.03% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 12.52% | 12.52% | 13.77% | 8.89% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.71% | 12.71% | 13.97% | 8.65% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 12.45% | 12.45% | 13.71% | 8.69% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 12.80% | 12.80% | 14.05% | 8.78% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 13.54% | 13.54% | 14.79% | 8.96% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 13.68% | 13.68% | 14.93% | 8.88% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 13.51% | 13.51% | 14.76% | 8.81% | 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 Murray Bank (this bank) | CBLR | NA | NA | NA | 9.96% | |
| Bank of Lake Mills | $533.8M | Risk-based | 12.81% | 12.81% | 13.29% | 11.24% |
| Shoreham Bank | $534.8M | Risk-based | 12.73% | 12.73% | 13.99% | 10.65% |
| Southern Bank of Tennessee | $533.4M | CBLR | NA | NA | NA | 9.01% |
| Enterprise Bank of South Carolina | $535.1M | Risk-based | 15.47% | 15.47% | 16.13% | 9.26% |
| Profinium, Inc. | $533.1M | Risk-based | 13.17% | 13.17% | 14.42% | 10.17% |
| First State Bank of St. Charles, Missouri | $535.2M | Risk-based | 15.77% | 15.77% | 17.01% | 15.65% |
| American Bank, N.A. | $533.0M | Risk-based | 11.95% | 11.95% | 13.13% | 10.68% |
| Huntington Federal Savings Bank | $532.3M | CBLR | NA | NA | NA | 15.07% |
| Triad Business Bank | $536.0M | Risk-based | 11.54% | 11.54% | 12.29% | 10.86% |
| Pan American Bank & Trust | $536.1M | Risk-based | 10.54% | 10.54% | 11.79% | 8.63% |
| Peer 25th percentile | 11.84% | 11.84% | 12.92% | 9.49% | ||
| Peer median | 12.77% | 12.77% | 13.64% | 10.66% | ||
| Peer 75th percentile | 13.74% | 13.74% | 14.85% | 11.15% | ||
| 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/2819242/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.