North Central 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 12.26% +3.26 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 | $20.0M | 20,042 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $163.5M | 163,520 | RCOAA224 |
| Recomputed ratio | 12.26% | numerator / denominator | |
| Filed ratio | 12.26% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +3.26 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 | 8,292 | 8,292 | 8,292 | 8,292 | 8,292 | 8,292 | RCOAP742 |
| Retained earnings | 14,346 | 13,875 | 14,209 | 13,645 | 13,325 | 13,016 | RCOAKW00 |
| Accumulated other comprehensive income | (2,968) | (2,725) | (2,673) | (3,060) | (4,379) | (4,111) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 19,670 | 19,442 | 19,828 | 18,877 | 17,238 | 17,197 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 372 | 129 | 77 | 464 | 1,783 | 1,515 | P859 - P840 |
| Common equity Tier 1 capital | 20,042 | 19,571 | 19,905 | 19,341 | 19,021 | 18,712 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 20,042 | 19,571 | 19,905 | 19,341 | 19,021 | 18,712 | 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 | 163,520 | 160,745 | 161,142 | 161,263 | 153,631 | 148,921 | 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 | 12.26% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 12.18% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 12.35% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 11.99% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 12.38% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 12.57% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 12.45% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 11.84% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 12.07% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 12.01% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 12.21% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 11.51% | 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 |
|---|---|---|---|---|---|---|
| North Central Bank (this bank) | CBLR | NA | NA | NA | 12.26% | |
| Citizens Savings Bank | $165.9M | Risk-based | 17.57% | 17.57% | 18.36% | 9.50% |
| Bank 1st | $166.1M | CBLR | NA | NA | NA | 15.20% |
| First National Bank in Ord | $165.6M | Risk-based | 22.83% | 22.83% | 24.08% | 11.35% |
| First State Bank of Forsyth | $165.5M | CBLR | NA | NA | NA | 12.08% |
| Normangee State Bank | $165.5M | Risk-based | 26.00% | 26.00% | 27.25% | 14.69% |
| Freeport State Bank | $165.5M | Risk-based | 15.00% | 15.00% | 15.83% | 10.69% |
| The Big Bend Banks, N.A. dba Marfa National Bank | $165.4M | CBLR | NA | NA | NA | 16.23% |
| Westmoreland Federal Savings and Loan Association of Latrobe | $166.5M | CBLR | NA | NA | NA | 26.92% |
| Carson Community Bank | $166.7M | CBLR | NA | NA | NA | 12.63% |
| State Bank & Trust Company | $165.1M | Risk-based | 14.35% | 14.35% | 15.59% | 10.63% |
| Peer 25th percentile | 15.00% | 15.00% | 15.83% | 10.85% | ||
| Peer median | 17.57% | 17.57% | 18.36% | 12.36% | ||
| Peer 75th percentile | 22.83% | 22.83% | 24.08% | 15.07% | ||
| This bank's percentile | NA | NA | NA | 50 |
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/565536/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.