The Pennsville National 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 10.23% +1.23 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 | $29.5M | 29,548 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $288.9M | 288,946 | RCOAA224 |
| Recomputed ratio | 10.23% | numerator / denominator | |
| Filed ratio | 10.23% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.23 pp | $3.5M | 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 | 3,077 | 3,077 | 3,077 | 3,077 | 3,077 | 3,077 | RCOAP742 |
| Retained earnings | 26,471 | 25,765 | 25,107 | 24,278 | 23,540 | 22,705 | RCOAKW00 |
| Accumulated other comprehensive income | (1,089) | (1,188) | (77) | (414) | (841) | (1,740) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 28,459 | 27,654 | 28,107 | 26,941 | 25,776 | 24,042 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,089 | 1,188 | 77 | 414 | 841 | 1,740 | P859 - P840 |
| Common equity Tier 1 capital | 29,548 | 28,842 | 28,184 | 27,355 | 26,617 | 25,782 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 29,548 | 28,842 | 28,184 | 27,355 | 26,617 | 25,782 | RCOA8274 |
| Tier 2 capital | NA | NA | 1,243 | 1,226 | 1,219 | 1,018 | |
| Allowance includable in Tier 2 capital | NA | NA | 1,243 | 1,226 | 1,219 | 1,018 | |
| Total capital | NA | NA | 29,427 | 28,581 | 27,836 | 26,800 | |
| Total risk-weighted assets | NA | NA | 124,869 | 117,981 | 121,161 | 119,049 | |
| Average total assets for the leverage ratio | 288,946 | 289,141 | 288,026 | 285,549 | 286,956 | 287,465 | 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 | 10.23% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.98% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 22.57% | 22.57% | 23.57% | 9.79% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 23.19% | 23.19% | 24.23% | 9.58% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 21.97% | 21.97% | 22.97% | 9.28% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 21.66% | 21.66% | 22.51% | 8.97% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 20.33% | 20.33% | 21.30% | 8.87% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 20.18% | 20.18% | 20.99% | 8.74% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 19.44% | 19.44% | 20.24% | 8.50% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 18.75% | 18.75% | 19.54% | 8.10% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 18.41% | 18.41% | 19.18% | 7.95% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 17.58% | 17.58% | 18.34% | 7.89% | 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 |
|---|---|---|---|---|---|---|
| The Pennsville National Bank (this bank) | CBLR | NA | NA | NA | 10.23% | |
| Unity Bank of Mississippi | $281.8M | CBLR | NA | NA | NA | 11.04% |
| Sonata Bank | $281.5M | Risk-based | 11.58% | 11.58% | 12.57% | 10.12% |
| Fairfield Federal Savings and Loan Association of Lancaster | $281.5M | CBLR | NA | NA | NA | 11.82% |
| FNB Picayune Bank | $282.3M | CBLR | NA | NA | NA | 15.44% |
| HNB First Bank | $282.4M | CBLR | NA | NA | NA | 9.53% |
| Fusion Bank | $281.0M | CBLR | NA | NA | NA | 12.76% |
| First Federal Savings Bank of Kentucky | $282.6M | CBLR | NA | NA | NA | 10.48% |
| Farmers Bank | $282.7M | Risk-based | 19.28% | 19.28% | 20.53% | 11.00% |
| Pioneer Bank | $282.8M | CBLR | NA | NA | NA | 10.56% |
| First Federal Bank of Ohio | $282.9M | Risk-based | 32.76% | 32.76% | 33.24% | 13.68% |
| Peer 25th percentile | 15.43% | 15.43% | 16.55% | 10.50% | ||
| Peer median | 19.28% | 19.28% | 20.53% | 11.02% | ||
| Peer 75th percentile | 26.02% | 26.02% | 26.89% | 12.52% | ||
| This bank's percentile | NA | NA | NA | 20 |
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/828110/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.