Piedmont Federal Savings 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 18.60% +9.60 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 | $246.9M | 246,942 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.33B | 1,327,406 | RCOAA224 |
| Recomputed ratio | 18.60% | numerator / denominator | |
| Filed ratio | 18.60% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +9.60 pp | $127.5M | 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 | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP742 |
| Retained earnings | 257,402 | 256,580 | 256,055 | 255,475 | 255,122 | 254,707 | RCOAKW00 |
| Accumulated other comprehensive income | (16,867) | (17,260) | (16,386) | (18,411) | (20,492) | (22,105) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 240,535 | 239,320 | 239,669 | 237,064 | 234,630 | 232,602 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 6,407 | 6,725 | 5,774 | 7,719 | 9,718 | 11,246 | P859 - P840 |
| Common equity Tier 1 capital | 246,942 | 246,045 | 245,443 | 244,783 | 244,348 | 243,848 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 246,942 | 246,045 | 245,443 | 244,783 | 244,348 | 243,848 | 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 | 1,327,406 | 1,303,980 | 1,299,785 | 1,286,512 | 1,290,610 | 1,292,973 | 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 | 18.60% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 18.87% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 18.88% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | CBLR | NA | NA | NA | 19.03% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | CBLR | NA | NA | NA | 18.93% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | CBLR | NA | NA | NA | 18.86% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | CBLR | NA | NA | NA | 18.74% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | CBLR | NA | NA | NA | 18.26% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | CBLR | NA | NA | NA | 18.25% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | CBLR | NA | NA | NA | 18.44% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | CBLR | NA | NA | NA | 18.20% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 19.74% | 12.78% | 12.79% | 13.93% | 10.03% |
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 |
|---|---|---|---|---|---|---|
| Piedmont Federal Savings Bank (this bank) | CBLR | NA | NA | NA | 18.60% | |
| Farmers State Bank | $1.31B | CBLR | NA | NA | NA | 10.75% |
| HNB National Bank | $1.31B | CBLR | NA | NA | NA | 9.72% |
| First Capital Bank | $1.32B | CBLR | NA | NA | NA | 9.58% |
| Greene County Commercial Bank | $1.32B | Risk-based | 51.28% | 51.28% | 51.28% | 10.05% |
| Liberty National Bank | $1.32B | Risk-based | 14.38% | 14.38% | 15.47% | 10.31% |
| Fidelity Co-Operative Bank | $1.31B | CBLR | NA | NA | NA | 9.86% |
| Webster Five Cents Savings Bank | $1.31B | CBLR | NA | NA | NA | 12.52% |
| First Texas Bank | $1.31B | Risk-based | 20.48% | 20.48% | 20.89% | 11.25% |
| Genesee Regional Bank | $1.31B | CBLR | NA | NA | NA | 10.97% |
| Signature Bank, N.A. | $1.31B | Risk-based | 14.27% | 14.27% | 15.32% | 12.44% |
| Peer 25th percentile | 14.36% | 14.36% | 15.43% | 9.91% | ||
| Peer median | 17.43% | 17.43% | 18.18% | 10.53% | ||
| Peer 75th percentile | 28.18% | 28.18% | 28.48% | 11.18% | ||
| This bank's percentile | NA | NA | NA | 100 |
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/864471/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.