North Star 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 11.00% +2.00 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 | $42.5M | 42,540 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $386.7M | 386,698 | RCOAA224 |
| Recomputed ratio | 11.00% | numerator / denominator | |
| Filed ratio | 11.00% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.00 pp | $7.7M | 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 | 22,750 | 22,675 | 22,600 | 22,600 | 22,600 | 22,600 | RCOAP742 |
| Retained earnings | 19,790 | 19,068 | 18,574 | 17,904 | 17,164 | 14,475 | RCOAKW00 |
| Accumulated other comprehensive income | (6,178) | (6,214) | (6,304) | (6,761) | (8,491) | (8,455) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 36,362 | 35,529 | 34,870 | 33,743 | 31,273 | 28,620 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 6,178 | 6,214 | 6,304 | 6,761 | 8,491 | 8,455 | P859 - P840 |
| Common equity Tier 1 capital | 42,540 | 41,743 | 41,174 | 40,504 | 39,764 | 37,075 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 42,540 | 41,743 | 41,174 | 40,504 | 39,764 | 37,075 | 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 | 386,698 | 396,512 | 409,896 | 391,296 | 387,069 | 390,301 | 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 | 11.00% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 10.53% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.04% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 10.35% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 10.27% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 9.50% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 9.71% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 9.47% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 9.62% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 9.75% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.45% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.34% | 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 Star Bank (this bank) | CBLR | NA | NA | NA | 11.00% | |
| Bank of Hays | $379.2M | CBLR | NA | NA | NA | 9.97% |
| 5STAR Bank | $378.2M | CBLR | NA | NA | NA | 17.24% |
| Merchants & Planters Bank | $379.4M | CBLR | NA | NA | NA | 10.15% |
| Bank of Commerce & Trust Company | $377.9M | CBLR | NA | NA | NA | 11.10% |
| Banner Capital Bank | $379.8M | Risk-based | 11.96% | 11.96% | 13.21% | 10.96% |
| Bank of O'Fallon | $377.5M | Risk-based | 23.12% | 23.12% | 24.38% | 13.82% |
| Pine Country Bank | $380.3M | Risk-based | 14.31% | 14.31% | 15.30% | 10.24% |
| Crossroads Bank | $380.7M | CBLR | NA | NA | NA | 11.64% |
| RSNB Bank | $381.0M | CBLR | NA | NA | NA | 11.85% |
| United Roosevelt Savings Bank | $381.2M | Risk-based | 13.29% | 13.29% | 14.27% | 9.11% |
| Peer 25th percentile | 12.96% | 12.96% | 14.00% | 10.17% | ||
| Peer median | 13.80% | 13.80% | 14.78% | 11.03% | ||
| Peer 75th percentile | 16.52% | 16.52% | 17.57% | 11.79% | ||
| 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/750051/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.