People's Bank of Seneca: 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 10.08% +1.08 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 | $51.1M | 51,084 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $507.0M | 507,034 | RCOAA224 |
| Recomputed ratio | 10.08% | numerator / denominator | |
| Filed ratio | 10.08% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.08 pp | $5.5M | 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 | 2,500 | 2,500 | 2,500 | 2,500 | 2,500 | 2,500 | RCOAP742 |
| Retained earnings | 48,584 | 46,845 | 45,784 | 44,474 | 43,771 | 42,317 | RCOAKW00 |
| Accumulated other comprehensive income | (1,771) | (1,830) | (1,775) | (1,932) | (2,297) | (2,488) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 49,313 | 47,515 | 46,509 | 45,042 | 43,974 | 42,329 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,771 | 1,830 | 1,775 | 1,932 | 2,297 | 2,488 | P859 - P840 |
| Common equity Tier 1 capital | 51,084 | 49,345 | 48,284 | 46,974 | 46,271 | 44,817 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 51,084 | 49,345 | 48,284 | 46,974 | 46,271 | 44,817 | 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 | 507,034 | 496,201 | 465,886 | 469,336 | 479,810 | 478,677 | 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 | 10.08% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.94% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.36% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 10.01% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 9.64% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 9.36% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 9.28% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 10.16% | 10.16% | 11.41% | 9.08% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 8.80% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 9.35% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 9.60% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 9.31% | 9.31% | 10.56% | 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 |
|---|---|---|---|---|---|---|
| People's Bank of Seneca (this bank) | CBLR | NA | NA | NA | 10.08% | |
| American Commerce Bank, N.A. | $495.7M | Risk-based | 20.90% | 20.90% | 22.16% | 17.09% |
| River City Bank, Inc. | $494.9M | Risk-based | 14.81% | 14.81% | 15.51% | 11.72% |
| Trubank | $494.6M | CBLR | NA | NA | NA | 9.23% |
| Casey State Bank | $496.7M | CBLR | NA | NA | NA | 10.99% |
| Dean Co-Operative Bank | $494.3M | Risk-based | 13.42% | 13.42% | 14.44% | 8.26% |
| Century Bank and Trust | $494.0M | Risk-based | 22.77% | 22.77% | 24.00% | 14.59% |
| Champlain National Bank | $497.1M | CBLR | NA | NA | NA | 10.87% |
| Jewett City Savings Bank | $493.9M | Risk-based | 17.46% | 17.46% | 18.47% | 14.41% |
| Bank of Commerce | $497.5M | Risk-based | 13.73% | 13.73% | 14.92% | 9.19% |
| The First State Bank | $493.2M | CBLR | NA | NA | NA | 13.05% |
| Peer 25th percentile | 14.00% | 14.00% | 15.07% | 9.64% | ||
| Peer median | 16.13% | 16.13% | 16.99% | 11.36% | ||
| Peer 75th percentile | 20.04% | 20.04% | 21.23% | 14.07% | ||
| 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/2396592/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.