National Exchange Bank and Trust: 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 20.06% +11.06 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 | $592.4M | 592,442 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.95B | 2,953,104 | RCOAA224 |
| Recomputed ratio | 20.06% | numerator / denominator | |
| Filed ratio | 20.06% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +11.06 pp | $326.7M | 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 | 60,330 | 60,330 | 60,330 | 60,330 | 60,330 | 60,330 | RCOAP742 |
| Retained earnings | 533,626 | 521,223 | 508,957 | 502,872 | 490,673 | 480,366 | RCOAKW00 |
| Accumulated other comprehensive income | (22,469) | (26,123) | (15,167) | (21,450) | (29,243) | (34,675) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 571,487 | 555,430 | 554,120 | 541,752 | 521,760 | 506,021 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 20,955 | 24,489 | 13,413 | 19,575 | 27,247 | 32,560 | P859 - P840 |
| Common equity Tier 1 capital | 592,442 | 579,919 | 567,533 | 561,327 | 549,007 | 538,581 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 592,442 | 579,919 | 567,533 | 561,327 | 549,007 | 538,581 | 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 | 2,953,104 | 2,968,956 | 2,973,139 | 2,932,240 | 2,947,253 | 2,958,798 | 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 | 20.06% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 19.53% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 19.09% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | CBLR | NA | NA | NA | 19.14% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | CBLR | NA | NA | NA | 18.63% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | CBLR | NA | NA | NA | 18.20% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | CBLR | NA | NA | NA | 18.28% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | CBLR | NA | NA | NA | 18.21% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | CBLR | NA | NA | NA | 18.40% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | CBLR | NA | NA | NA | 17.51% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | CBLR | NA | NA | NA | 17.67% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 17.31% | 12.78% | 12.79% | 13.93% | 10.03% |
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 |
|---|---|---|---|---|---|---|
| National Exchange Bank and Trust (this bank) | CBLR | NA | NA | NA | 20.06% | |
| American First National Bank | $2.89B | Risk-based | 16.38% | 16.38% | 17.44% | 14.38% |
| Merchants Bank, N.A. | $2.88B | Risk-based | 13.46% | 13.46% | 14.60% | 11.49% |
| West Texas National Bank | $2.88B | Risk-based | 16.75% | 16.75% | 18.01% | 10.52% |
| Cedar Rapids Bank and Trust Company | $2.90B | Risk-based | 13.15% | 13.15% | 13.86% | 16.94% |
| Jefferson Bank | $2.88B | CBLR | NA | NA | NA | 9.81% |
| Wayne Bank | $2.91B | Risk-based | 11.09% | 11.09% | 12.22% | 8.82% |
| BayCoast Bank | $2.86B | Risk-based | 10.77% | 10.77% | 12.02% | 8.29% |
| WebBank | $2.86B | Risk-based | 18.10% | 18.10% | 19.18% | 17.39% |
| Bank Independent | $2.86B | Risk-based | 13.22% | 13.22% | 14.42% | 9.82% |
| Peer 25th percentile | 12.64% | 12.64% | 13.45% | 9.81% | ||
| Peer median | 13.34% | 13.34% | 14.51% | 10.52% | ||
| Peer 75th percentile | 16.47% | 16.47% | 17.58% | 14.38% | ||
| 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/722544/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.