Pike 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 11.73% +2.73 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 | $47.6M | 47,621 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $405.9M | 405,950 | RCOAA224 |
| Recomputed ratio | 11.73% | numerator / denominator | |
| Filed ratio | 11.73% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.73 pp | $11.1M | 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 | 8,910 | 8,901 | 8,847 | 8,841 | 8,841 | 8,841 | RCOAP742 |
| Retained earnings | 38,711 | 37,651 | 36,719 | 38,282 | 37,338 | 36,149 | RCOAKW00 |
| Accumulated other comprehensive income | (4,427) | (4,538) | (4,014) | (4,526) | (5,460) | (6,013) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 43,194 | 42,014 | 41,552 | 42,597 | 40,719 | 38,977 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 4,427 | 4,538 | 4,014 | 4,526 | 5,460 | 6,013 | P859 - P840 |
| Common equity Tier 1 capital | 47,621 | 46,552 | 45,566 | 47,123 | 46,179 | 44,990 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 47,621 | 46,552 | 45,566 | 47,123 | 46,179 | 44,990 | RCOA8274 |
| Tier 2 capital | NA | 2,630 | 2,605 | 2,229 | 2,231 | 2,199 | |
| Allowance includable in Tier 2 capital | NA | 2,630 | 2,605 | 2,229 | 2,231 | 2,199 | |
| Total capital | NA | 49,182 | 48,171 | 49,352 | 48,410 | 47,189 | |
| Total risk-weighted assets | NA | 240,208 | 233,077 | 225,823 | 221,657 | 223,340 | |
| Average total assets for the leverage ratio | 405,950 | 394,125 | 381,946 | 382,464 | 390,441 | 382,172 | 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 | 11.73% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 19.38% | 19.38% | 20.47% | 11.81% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 19.55% | 19.55% | 20.67% | 11.93% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 20.87% | 20.87% | 21.85% | 12.32% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 20.83% | 20.83% | 21.84% | 11.83% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 20.14% | 20.14% | 21.13% | 11.77% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 20.42% | 20.42% | 21.39% | 11.95% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 21.19% | 21.19% | 22.19% | 12.31% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 20.55% | 20.55% | 21.56% | 11.82% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 20.58% | 20.58% | 21.55% | 11.85% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 20.31% | 20.31% | 21.37% | 11.92% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 21.95% | 21.95% | 22.99% | 13.15% | 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 |
|---|---|---|---|---|---|---|
| Pike National Bank (this bank) | CBLR | NA | NA | NA | 11.73% | |
| Commercial Banking Company | $409.5M | Risk-based | 14.43% | 14.43% | 15.68% | 10.32% |
| Winter Hill Bank, FSB | $407.9M | Risk-based | 16.87% | 16.87% | 17.63% | 10.04% |
| Southern Bank | $407.9M | CBLR | NA | NA | NA | 8.18% |
| First National Bank of Elmer | $407.8M | Risk-based | 13.55% | 13.55% | 14.80% | 10.00% |
| Waterfall Bank | $409.9M | Risk-based | 13.45% | 13.45% | 14.27% | 12.64% |
| First State Bank Southwest | $409.9M | Risk-based | 16.28% | 16.28% | 17.53% | 9.69% |
| Community Savings Bank | $410.2M | CBLR | NA | NA | NA | 13.50% |
| Central Bank of Kansas City | $410.2M | CBLR | NA | NA | NA | 11.95% |
| Exchange Bank | $410.3M | CBLR | NA | NA | NA | 11.93% |
| Highlands Bank, Inc. | $407.1M | CBLR | NA | NA | NA | 11.00% |
| Peer 25th percentile | 13.55% | 13.55% | 14.80% | 10.01% | ||
| Peer median | 14.43% | 14.43% | 15.68% | 10.66% | ||
| Peer 75th percentile | 16.28% | 16.28% | 17.53% | 11.94% | ||
| This bank's percentile | NA | NA | NA | 60 |
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/880332/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.