Phenix-Girard 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 11.76% +2.76 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 | $44.8M | 44,838 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $381.1M | 381,123 | RCOAA224 |
| Recomputed ratio | 11.76% | numerator / denominator | |
| Filed ratio | 11.76% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.76 pp | $10.5M | 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 | 42,338 | 41,229 | 40,513 | 40,649 | 39,916 | 39,154 | RCOAKW00 |
| Accumulated other comprehensive income | (35,876) | (36,961) | (34,212) | (34,837) | (39,357) | (38,336) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 8,962 | 6,768 | 8,801 | 8,312 | 3,059 | 3,318 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 35,876 | 36,961 | 34,212 | 34,837 | 39,357 | 38,336 | P859 - P840 |
| Common equity Tier 1 capital | 44,838 | 43,729 | 43,013 | 43,149 | 42,416 | 41,654 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 44,838 | 43,729 | 43,013 | 43,149 | 42,416 | 41,654 | 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 | 381,123 | 383,537 | 373,383 | 366,290 | 361,102 | 358,044 | 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 | 11.76% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 11.40% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 11.52% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 11.78% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 11.75% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 11.63% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 12.02% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 12.65% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 12.58% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 12.32% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 12.77% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 12.79% | 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 |
|---|---|---|---|---|---|---|
| Phenix-Girard Bank (this bank) | CBLR | NA | NA | NA | 11.76% | |
| First Community Bank | $342.3M | Risk-based | 11.15% | 11.15% | 12.40% | 9.05% |
| Milestone Bank | $342.2M | CBLR | NA | NA | NA | 15.01% |
| Farmers State Bank of Alto Pass, Ill. | $342.4M | Risk-based | 12.25% | 12.25% | 13.37% | 9.51% |
| Premier Bank N.A. | $342.4M | CBLR | NA | NA | NA | 12.59% |
| Greenville Savings Bank | $342.7M | CBLR | NA | NA | NA | 12.84% |
| Bank of Kilmichael | $341.6M | CBLR | NA | NA | NA | 9.12% |
| Cumberland Federal Bank, FSB | $341.6M | Risk-based | 17.21% | 17.21% | 18.19% | 10.06% |
| Exchange Bank Co. | $341.5M | CBLR | NA | NA | NA | 9.11% |
| Midwest Independent Bankersbank | $341.4M | Risk-based | 16.43% | 16.43% | 17.68% | 15.26% |
| Peer 25th percentile | 11.98% | 11.98% | 13.13% | 9.12% | ||
| Peer median | 14.34% | 14.34% | 15.53% | 10.06% | ||
| Peer 75th percentile | 16.62% | 16.62% | 17.81% | 12.84% | ||
| This bank's percentile | NA | NA | NA | 56 |
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/432432/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.