New Horizon Bank, N.A.: 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 10.81% +1.81 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 | $31.4M | 31,392 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $290.3M | 290,334 | RCOAA224 |
| Recomputed ratio | 10.81% | numerator / denominator | |
| Filed ratio | 10.81% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.81 pp | $5.3M | 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 | 39,046 | 39,046 | 39,046 | 34,246 | 34,246 | 34,246 | RCOAP742 |
| Retained earnings | (5,654) | (5,391) | (4,926) | (3,668) | (3,022) | (2,487) | RCOAKW00 |
| Accumulated other comprehensive income | (161) | (124) | (16) | (792) | (1,562) | (1,688) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 33,231 | 33,531 | 34,104 | 29,786 | 29,662 | 30,071 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (1,839) | (1,883) | (1,997) | (1,228) | (465) | (346) | P859 - P840 |
| Common equity Tier 1 capital | 31,392 | 31,648 | 32,107 | 28,558 | 29,197 | 29,725 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 31,392 | 31,648 | 32,107 | 28,558 | 29,197 | 29,725 | 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 | 290,334 | 250,317 | 226,285 | 209,309 | 210,392 | 205,350 | 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 | 10.81% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 12.64% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 14.19% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 13.64% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 13.88% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 14.48% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 11.70% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 11.05% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 12.85% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 12.10% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 12.39% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 14.14% | 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 Horizon Bank, N.A. (this bank) | CBLR | NA | NA | NA | 10.81% | |
| United Community Bank | $359.3M | CBLR | NA | NA | NA | 10.49% |
| Locus Bank, Inc. | $359.4M | CBLR | NA | NA | NA | 21.46% |
| Farmers & Merchants Bank | $359.4M | CBLR | NA | NA | NA | 12.16% |
| Logan Bank & Trust Company | $359.2M | CBLR | NA | NA | NA | 11.73% |
| Infinity Bank | $359.5M | Risk-based | 15.31% | 15.31% | 17.94% | 13.03% |
| First National Bank of Decatur County | $359.6M | Risk-based | 9.98% | 9.98% | 10.99% | 7.42% |
| Bankokolona | $359.6M | CBLR | NA | NA | NA | 10.09% |
| Bank of Versailles | $359.0M | CBLR | NA | NA | NA | 14.99% |
| Citizens Savings Bank | $359.0M | Risk-based | 29.63% | 29.63% | 30.21% | 15.12% |
| Peer 25th percentile | 12.65% | 12.65% | 14.47% | 10.49% | ||
| Peer median | 15.31% | 15.31% | 17.94% | 12.16% | ||
| Peer 75th percentile | 22.47% | 22.47% | 24.07% | 14.99% | ||
| This bank's percentile | NA | NA | NA | 33 |
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/3816154/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.