New Era 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 13.98% +4.98 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 | $61.1M | 61,070 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $436.8M | 436,817 | RCOAA224 |
| Recomputed ratio | 13.98% | numerator / denominator | |
| Filed ratio | 13.98% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +4.98 pp | $21.8M | 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 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | RCOAP742 |
| Retained earnings | 63,617 | 62,129 | 61,624 | 60,430 | 58,607 | 56,924 | RCOAKW00 |
| Accumulated other comprehensive income | (901) | (478) | (47) | (220) | (757) | (1,022) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 63,716 | 62,651 | 62,577 | 61,210 | 58,850 | 56,902 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (2,646) | (3,069) | (3,500) | (3,327) | (2,790) | (2,525) | P859 - P840 |
| Common equity Tier 1 capital | 61,070 | 59,582 | 59,077 | 57,883 | 56,060 | 54,377 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 61,070 | 59,582 | 59,077 | 57,883 | 56,060 | 54,377 | 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 | 436,817 | 429,217 | 438,352 | 433,785 | 429,882 | 423,004 | 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 | 13.98% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 13.88% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 13.48% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 13.34% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 13.04% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 12.86% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 12.92% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 12.78% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 12.45% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 12.34% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 12.41% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 12.08% | 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 |
|---|---|---|---|---|---|---|
| New Era Bank (this bank) | CBLR | NA | NA | NA | 13.98% | |
| Citizens State Bank | $453.3M | Risk-based | 14.01% | 14.01% | 14.82% | 9.58% |
| First National Bank | $452.8M | CBLR | NA | NA | NA | 10.31% |
| The Denison State Bank | $453.6M | CBLR | NA | NA | NA | 17.53% |
| Edison National Bank | $453.7M | Risk-based | 29.49% | 29.49% | 30.74% | 9.03% |
| The City National Bank of Colorado City | $452.4M | CBLR | NA | NA | NA | 10.97% |
| Exchange Bank of Missouri | $453.8M | Risk-based | 11.47% | 11.47% | 12.46% | 9.51% |
| Hometown Bank of Pennsylvania | $453.9M | Risk-based | 10.44% | 10.44% | 11.36% | 8.33% |
| The Liberty National Bank in Paris | $452.1M | CBLR | NA | NA | NA | 12.76% |
| Pacific Alliance Bank | $454.4M | CBLR | NA | NA | NA | 13.37% |
| Peer 25th percentile | 11.21% | 11.21% | 12.18% | 9.51% | ||
| Peer median | 12.74% | 12.74% | 13.64% | 10.31% | ||
| Peer 75th percentile | 17.88% | 17.88% | 18.80% | 12.76% | ||
| This bank's percentile | NA | NA | NA | 89 |
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/1014657/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.