Neighborhood National 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 11.63% +2.63 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 | $25.7M | 25,721 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $221.1M | 221,137 | RCOAA224 |
| Recomputed ratio | 11.63% | numerator / denominator | |
| Filed ratio | 11.63% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.63 pp | $5.8M | 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 | 38,953 | 38,939 | 38,926 | 38,912 | 38,898 | 37,885 | RCOAP742 |
| Retained earnings | (10,735) | (11,099) | (11,474) | (11,895) | (15,122) | (15,293) | RCOAKW00 |
| Accumulated other comprehensive income | 0 | 0 | 0 | 0 | 0 | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 28,218 | 27,840 | 27,452 | 27,017 | 23,776 | 22,592 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (2,497) | (2,791) | (2,791) | (2,813) | (11) | (11) | P859 - P840 |
| Common equity Tier 1 capital | 25,721 | 25,049 | 24,661 | 24,204 | 23,765 | 22,581 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 25,721 | 25,049 | 24,661 | 24,204 | 23,765 | 22,581 | 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 | 221,137 | 221,697 | 208,776 | 202,435 | 191,355 | 179,776 | 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 | 11.63% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 11.30% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 11.81% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 11.96% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 12.42% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 12.56% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 13.40% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 18.95% | 18.95% | 20.48% | 14.07% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 20.23% | 20.23% | 21.80% | 14.93% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 15.59% | 15.59% | 17.19% | 11.98% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 15.92% | 15.92% | 17.19% | 12.85% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 17.93% | 17.93% | 19.98% | 13.94% | 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 |
|---|---|---|---|---|---|---|
| Neighborhood National Bank (this bank) | CBLR | NA | NA | NA | 11.63% | |
| Bank of Wiggins | $228.1M | CBLR | NA | NA | NA | 12.93% |
| Embassy National Bank | $227.9M | Risk-based | 13.64% | 13.64% | 14.77% | 10.95% |
| United Bank and Trust Company | $228.4M | CBLR | NA | NA | NA | 14.83% |
| Charter Bank | $227.5M | CBLR | NA | NA | NA | 11.03% |
| Triad Bank, N.A. | $228.6M | CBLR | NA | NA | NA | 12.66% |
| First Bank and Trust Company of Illinois | $228.6M | Risk-based | 25.03% | 25.03% | 26.28% | 15.91% |
| The Citizens Bank | $228.6M | Risk-based | 16.04% | 16.04% | 17.27% | 8.72% |
| Community Spirit Bank | $228.8M | CBLR | NA | NA | NA | 9.73% |
| Stockgrowers State Bank | $227.1M | CBLR | NA | NA | NA | 14.13% |
| Peer 25th percentile | 14.84% | 14.84% | 16.02% | 10.95% | ||
| Peer median | 16.04% | 16.04% | 17.27% | 12.66% | ||
| Peer 75th percentile | 20.53% | 20.53% | 21.78% | 14.13% | ||
| This bank's percentile | NA | NA | NA | 44 |
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/2333140/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.