Ozark 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 9.23% +0.23 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 | $32.0M | 31,988 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $346.7M | 346,707 | RCOAA224 |
| Recomputed ratio | 9.23% | numerator / denominator | |
| Filed ratio | 9.23% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.23 pp | $784K | 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 | 2,000 | 2,000 | 2,000 | 2,000 | 2,000 | 2,000 | RCOAP742 |
| Retained earnings | 29,988 | 29,954 | 29,580 | 30,498 | 29,573 | 28,862 | RCOAKW00 |
| Accumulated other comprehensive income | (3,541) | (3,872) | (3,316) | (4,308) | (5,075) | (5,668) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 28,447 | 28,082 | 28,264 | 28,190 | 26,498 | 25,194 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,541 | 3,872 | 3,316 | 4,308 | 5,075 | 5,668 | P859 - P840 |
| Common equity Tier 1 capital | 31,988 | 31,954 | 31,580 | 32,498 | 31,573 | 30,862 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 31,988 | 31,954 | 31,580 | 32,498 | 31,573 | 30,862 | RCOA8274 |
| Tier 2 capital | NA | NA | 3,096 | 3,093 | 3,061 | 2,974 | |
| Allowance includable in Tier 2 capital | NA | NA | 3,096 | 3,093 | 3,061 | 2,974 | |
| Total capital | NA | NA | 34,676 | 35,591 | 34,634 | 33,836 | |
| Total risk-weighted assets | NA | NA | 247,486 | 247,221 | 244,681 | 237,678 | |
| Average total assets for the leverage ratio | 346,707 | 353,039 | 350,649 | 364,659 | 355,081 | 359,930 | 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 | 9.23% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.05% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 12.76% | 12.76% | 14.01% | 9.01% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 13.15% | 13.15% | 14.40% | 8.91% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 12.90% | 12.90% | 14.15% | 8.89% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 12.98% | 12.98% | 14.24% | 8.57% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.42% | 12.42% | 13.67% | 8.60% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 13.12% | 13.12% | 14.37% | 8.95% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 13.07% | 13.07% | 14.32% | 8.54% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 12.38% | 12.38% | 13.63% | 8.23% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 13.72% | 13.72% | 14.97% | 8.48% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 13.53% | 13.53% | 14.78% | 8.86% | 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 |
|---|---|---|---|---|---|---|
| Ozark Bank (this bank) | CBLR | NA | NA | NA | 9.23% | |
| Riverhills Bank | $340.8M | Risk-based | 13.11% | 13.11% | 14.37% | 10.69% |
| Midwest Independent Bankersbank | $341.4M | Risk-based | 16.43% | 16.43% | 17.68% | 15.26% |
| The National Bank of Andrews | $340.5M | Risk-based | 13.19% | 13.19% | 14.44% | 10.11% |
| Exchange Bank Co. | $341.5M | CBLR | NA | NA | NA | 9.11% |
| Cumberland Federal Bank, FSB | $341.6M | Risk-based | 17.21% | 17.21% | 18.19% | 10.06% |
| Bank of Kilmichael | $341.6M | CBLR | NA | NA | NA | 9.12% |
| Community Bank of Parkersburg | $340.3M | CBLR | NA | NA | NA | 9.90% |
| Alamosa State Bank | $340.3M | Risk-based | 22.11% | 22.11% | 23.30% | 12.85% |
| Genesis Bank | $340.3M | Risk-based | 15.51% | 18.12% | 19.38% | 11.01% |
| Peer 25th percentile | 13.77% | 14.00% | 15.25% | 9.90% | ||
| Peer median | 15.97% | 16.82% | 17.94% | 10.11% | ||
| Peer 75th percentile | 17.02% | 17.90% | 19.08% | 11.01% | ||
| This bank's percentile | NA | NA | NA | 22 |
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/882952/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.