O'Bannon Banking Company: 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 9.36% +0.36 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 | $31.3M | 31,294 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $334.5M | 334,458 | RCOAA224 |
| Recomputed ratio | 9.36% | numerator / denominator | |
| Filed ratio | 9.36% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.36 pp | $1.2M | 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 | 1,236 | 1,236 | 1,236 | 1,236 | 1,236 | 1,236 | RCOAP742 |
| Retained earnings | 30,058 | 28,982 | 28,776 | 27,796 | 27,462 | 26,592 | RCOAKW00 |
| Accumulated other comprehensive income | (1,730) | (1,920) | (1,627) | (1,888) | (2,402) | (2,701) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 29,564 | 28,298 | 28,385 | 27,144 | 26,296 | 25,127 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,730 | 1,920 | 1,627 | 1,888 | 2,402 | 2,701 | P859 - P840 |
| Common equity Tier 1 capital | 31,294 | 30,218 | 30,012 | 29,032 | 28,698 | 27,828 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 31,294 | 30,218 | 30,012 | 29,032 | 28,698 | 27,828 | 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 | 334,458 | 333,844 | 320,398 | 311,384 | 307,500 | 304,824 | 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 | 9.36% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.05% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 9.37% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 9.32% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 9.33% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 9.13% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 9.48% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 9.18% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 9.34% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 9.18% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 9.33% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 9.25% | 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 |
|---|---|---|---|---|---|---|
| O'Bannon Banking Company (this bank) | CBLR | NA | NA | NA | 9.36% | |
| Clare Bank, N.A. | $332.5M | Risk-based | 24.17% | 24.17% | 24.71% | 11.64% |
| Bank of England | $332.3M | Risk-based | 24.59% | 24.59% | 25.76% | 19.91% |
| The Havana National Bank | $332.8M | CBLR | NA | NA | NA | 12.17% |
| Stock Growers Bank | $332.9M | CBLR | NA | NA | NA | 11.56% |
| Copiah Bank | $332.2M | CBLR | NA | NA | NA | 11.80% |
| The Millyard Bank | $333.2M | CBLR | NA | NA | NA | 9.70% |
| Global One Bank | $333.2M | Risk-based | 18.38% | 18.38% | 19.63% | 14.47% |
| STRYV Bank | $333.3M | Risk-based | 9.96% | 9.96% | 10.94% | 8.91% |
| The Harvard State Bank | $331.5M | Risk-based | 14.44% | 14.44% | 15.45% | 8.79% |
| Bank of Newington | $333.8M | Risk-based | 11.35% | 11.35% | 12.61% | 9.07% |
| Peer 25th percentile | 12.13% | 12.13% | 13.32% | 9.23% | ||
| Peer median | 16.41% | 16.41% | 17.54% | 11.60% | ||
| Peer 75th percentile | 22.73% | 22.73% | 23.44% | 12.08% | ||
| This bank's percentile | NA | NA | NA | 30 |
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/955940/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.