North Shore Bank of Commerce: 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 8.74% -0.26 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 | $51.7M | 51,705 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $591.6M | 591,578 | RCOAA224 |
| Recomputed ratio | 8.74% | numerator / denominator | |
| Filed ratio | 8.74% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | -0.26 pp | -$1.5M | 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 | 32,649 | 32,649 | 32,649 | 32,649 | 27,649 | 27,649 | RCOAP742 |
| Retained earnings | 19,056 | 18,909 | 19,367 | 17,049 | 20,456 | 22,634 | RCOAKW00 |
| Accumulated other comprehensive income | (1,848) | (1,892) | (1,405) | (1,484) | (2,587) | (2,563) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 49,857 | 49,666 | 50,611 | 48,214 | 45,518 | 47,720 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,848 | 1,892 | 1,405 | 1,484 | 2,587 | 2,563 | P859 - P840 |
| Common equity Tier 1 capital | 51,705 | 51,558 | 52,016 | 49,698 | 48,105 | 50,283 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 51,705 | 51,558 | 52,016 | 49,698 | 48,105 | 50,283 | 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 | 591,578 | 579,764 | 569,188 | 559,164 | 538,438 | 528,709 | 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 | 8.74% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 8.89% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 9.14% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 8.89% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 8.93% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 9.51% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 9.46% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 11.28% | 11.28% | 11.84% | 8.54% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 8.40% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 8.64% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 9.03% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 9.28% | 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 Shore Bank of Commerce (this bank) | CBLR | NA | NA | NA | 8.74% | |
| The Citizens Bank of Georgia | $598.5M | Risk-based | 18.76% | 18.76% | 19.95% | 11.49% |
| Guardian Bank | $597.9M | Risk-based | 17.36% | 17.36% | 18.62% | 11.55% |
| Hatboro Federal Savings | $597.8M | Risk-based | 42.39% | 42.39% | 43.38% | 24.52% |
| Grand Valley Bank | $599.4M | CBLR | NA | NA | NA | 11.47% |
| Palmetto State Bank | $597.5M | CBLR | NA | NA | NA | 14.85% |
| Regional Missouri Bank | $597.4M | CBLR | NA | NA | NA | 11.61% |
| First Piedmont Federal Savings and Loan Association | $597.1M | CBLR | NA | NA | NA | 29.14% |
| The Falls City National Bank | $597.1M | CBLR | NA | NA | NA | 16.33% |
| Pineland Bank | $597.1M | CBLR | NA | NA | NA | 10.48% |
| Unison Bank | $596.9M | CBLR | NA | NA | NA | 10.02% |
| Peer 25th percentile | 18.06% | 18.06% | 19.28% | 11.48% | ||
| Peer median | 18.76% | 18.76% | 19.95% | 11.58% | ||
| Peer 75th percentile | 30.58% | 30.58% | 31.66% | 15.96% | ||
| This bank's percentile | NA | NA | NA | 0 |
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/126553/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.