Pillar 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 9.99% +0.99 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 | $25.9M | 25,867 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $259.0M | 258,964 | RCOAA224 |
| Recomputed ratio | 9.99% | numerator / denominator | |
| Filed ratio | 9.99% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.99 pp | $2.6M | 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 | 11,060 | 11,060 | 11,060 | 11,060 | 11,060 | 11,060 | RCOAP742 |
| Retained earnings | 16,212 | 15,574 | 14,919 | 14,576 | 14,373 | 14,273 | RCOAKW00 |
| Accumulated other comprehensive income | (6,294) | (6,555) | (6,353) | (7,065) | (7,947) | (8,502) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 20,978 | 20,079 | 19,626 | 18,571 | 17,486 | 16,831 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 4,889 | 5,150 | 4,948 | 5,660 | 6,542 | 7,097 | P859 - P840 |
| Common equity Tier 1 capital | 25,867 | 25,229 | 24,574 | 24,231 | 24,028 | 23,928 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 25,867 | 25,229 | 24,574 | 24,231 | 24,028 | 23,928 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | 1,848 | 1,847 | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | 1,848 | 1,847 | |
| Total capital | NA | NA | NA | NA | 25,876 | 25,775 | |
| Total risk-weighted assets | NA | NA | NA | NA | 184,970 | 171,541 | |
| Average total assets for the leverage ratio | 258,964 | 265,447 | 263,354 | 262,697 | 257,140 | 257,264 | 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 | 9.99% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.50% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 9.33% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 9.22% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 12.99% | 12.99% | 13.99% | 9.34% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 13.95% | 13.95% | 15.03% | 9.30% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 13.47% | 13.47% | 14.54% | 9.11% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 13.74% | 13.74% | 14.99% | 9.36% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 13.33% | 13.33% | 14.59% | 9.52% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 12.79% | 12.79% | 14.04% | 9.24% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 12.94% | 12.94% | 14.19% | 9.35% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 13.24% | 13.24% | 14.49% | 9.34% | 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 |
|---|---|---|---|---|---|---|
| Pillar Bank (this bank) | CBLR | NA | NA | NA | 9.99% | |
| American Bank & Trust Company | $267.0M | CBLR | NA | NA | NA | 11.71% |
| Wells River Savings Bank | $266.9M | Risk-based | 16.19% | 16.19% | 17.13% | 10.75% |
| Community First Bank of the Heartland | $266.8M | Risk-based | 13.06% | 13.06% | 14.12% | 10.14% |
| The Wilmington Savings Bank | $267.3M | CBLR | NA | NA | NA | 14.61% |
| The First National Bank of Dennison, Ohio | $267.4M | CBLR | NA | NA | NA | 10.25% |
| Community Bank of the South | $266.5M | Risk-based | 21.73% | 21.73% | 22.72% | 9.49% |
| Security Trust & Savings Bank | $266.4M | Risk-based | 31.77% | 31.77% | 33.02% | 10.41% |
| Anahuac National Bank | $266.4M | CBLR | NA | NA | NA | 10.08% |
| Clackamas County Bank | $266.4M | Risk-based | 23.53% | 23.53% | 24.63% | 12.80% |
| Capital Bank and Trust Company | $266.1M | Risk-based | 202.30% | 202.30% | 202.30% | 79.26% |
| Peer 25th percentile | 17.57% | 17.57% | 18.53% | 10.17% | ||
| Peer median | 22.63% | 22.63% | 23.67% | 10.58% | ||
| Peer 75th percentile | 29.71% | 29.71% | 30.93% | 12.53% | ||
| This bank's percentile | NA | NA | NA | 10 |
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/143952/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.