Oregon Coast 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 10.43% +1.43 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 | $48.7M | 48,655 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $466.6M | 466,631 | RCOAA224 |
| Recomputed ratio | 10.43% | numerator / denominator | |
| Filed ratio | 10.43% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.43 pp | $6.7M | 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 | 10,003 | 10,003 | 10,003 | 10,003 | 10,003 | 10,003 | RCOAP742 |
| Retained earnings | 38,652 | 37,705 | 36,733 | 35,878 | 34,817 | 33,697 | RCOAKW00 |
| Accumulated other comprehensive income | (7,700) | (8,786) | (8,402) | (9,722) | (12,610) | (12,407) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 40,955 | 38,922 | 38,334 | 36,159 | 32,210 | 31,293 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 7,700 | 8,786 | 8,402 | 9,722 | 12,610 | 12,407 | P859 - P840 |
| Common equity Tier 1 capital | 48,655 | 47,708 | 46,736 | 45,881 | 44,820 | 43,700 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 48,655 | 47,708 | 46,736 | 45,881 | 44,820 | 43,700 | 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 | 466,631 | 457,057 | 464,225 | 474,123 | 467,557 | 476,634 | 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 | 10.43% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 10.44% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.07% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 9.68% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 9.59% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 9.17% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 9.22% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 9.21% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 9.41% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 9.17% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 9.60% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 9.33% | 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 |
|---|---|---|---|---|---|---|
| Oregon Coast Bank (this bank) | CBLR | NA | NA | NA | 10.43% | |
| Lexicon Bank | $446.2M | Risk-based | 20.96% | 20.96% | 22.22% | 9.77% |
| The City National Bank and Trust Company of Lawton, Oklahoma | $446.2M | CBLR | NA | NA | NA | 13.87% |
| Peoples Bank the | $446.7M | Risk-based | 18.19% | 18.19% | 19.33% | 12.92% |
| Kensington Bank | $446.7M | Risk-based | 11.61% | 11.61% | 12.34% | 9.90% |
| The Bank of Lafayette | $446.8M | CBLR | NA | NA | NA | 9.35% |
| Star Bank | $445.8M | Risk-based | 10.73% | 10.73% | 11.75% | 9.29% |
| Better Banks | $445.8M | Risk-based | 13.36% | 13.36% | 14.61% | 9.43% |
| Bank of the Plains | $445.6M | Risk-based | 11.85% | 11.85% | 13.10% | 9.30% |
| The Bank of Vernon | $445.4M | CBLR | NA | NA | NA | 16.60% |
| Peoples Bank | $445.3M | Risk-based | 14.35% | 14.35% | 15.26% | 12.72% |
| Peer 25th percentile | 11.73% | 11.73% | 12.72% | 9.37% | ||
| Peer median | 13.36% | 13.36% | 14.61% | 9.84% | ||
| Peer 75th percentile | 16.27% | 16.27% | 17.30% | 12.87% | ||
| This bank's percentile | NA | NA | NA | 60 |
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/3125557/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.