The Pitney Bowes Bank Inc.: 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 12.37% +3.37 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 | $100.3M | 100,256 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $810.2M | 810,187 | RCOAA224 |
| Recomputed ratio | 12.37% | numerator / denominator | |
| Filed ratio | 12.37% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +3.37 pp | $27.3M | 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 | 64,285 | 64,285 | 64,285 | 64,285 | 64,285 | 64,280 | RCOAP742 |
| Retained earnings | 35,971 | 36,715 | 36,543 | 35,124 | 35,085 | 29,890 | RCOAKW00 |
| Accumulated other comprehensive income | (22,848) | (23,085) | (22,609) | (23,578) | (25,939) | (26,642) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 77,408 | 77,915 | 78,219 | 75,831 | 73,431 | 67,528 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 22,848 | 23,085 | 22,609 | 23,578 | 25,939 | 26,642 | P859 - P840 |
| Common equity Tier 1 capital | 100,256 | 101,000 | 100,828 | 99,409 | 99,370 | 94,170 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 100,256 | 101,000 | 100,828 | 99,409 | 99,370 | 94,170 | 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 | 810,187 | 843,401 | 805,573 | 808,141 | 822,974 | 830,182 | 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 | 12.37% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 11.98% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 12.52% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 12.30% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 12.07% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 11.34% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 10.89% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 10.12% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 10.81% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 10.66% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.33% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 9.92% | 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 |
|---|---|---|---|---|---|---|
| The Pitney Bowes Bank Inc. (this bank) | CBLR | NA | NA | NA | 12.37% | |
| American Federal Bank | $795.8M | Risk-based | 12.92% | 12.92% | 14.17% | 9.32% |
| The New Washington State Bank | $798.1M | CBLR | NA | NA | NA | 9.33% |
| First Community Bank | $794.4M | CBLR | NA | NA | NA | 10.36% |
| Decorah Bank and Trust Company | $794.1M | Risk-based | 13.13% | 13.13% | 14.38% | 10.41% |
| Farmers Bank & Trust Company | $794.0M | Risk-based | 11.43% | 11.43% | 12.16% | 9.24% |
| River Valley Community Bank | $793.1M | Risk-based | 13.82% | 13.82% | 14.90% | 8.73% |
| First Western Bank | $792.7M | Risk-based | 11.88% | 11.88% | 12.90% | 8.90% |
| Primebank | $800.6M | Risk-based | 12.41% | 12.41% | 13.47% | 10.99% |
| Sauk Valley Bank & Trust Company | $790.8M | Risk-based | 11.49% | 11.49% | 12.74% | 8.84% |
| Western State Bank | $802.1M | Risk-based | 13.78% | 13.78% | 15.04% | 10.69% |
| Peer 25th percentile | 11.78% | 11.78% | 12.86% | 8.98% | ||
| Peer median | 12.67% | 12.67% | 13.82% | 9.32% | ||
| Peer 75th percentile | 13.29% | 13.29% | 14.51% | 10.40% | ||
| 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/2649177/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.