Plains Commerce 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 10.03% +1.03 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 | $135.9M | 135,911 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.36B | 1,355,099 | RCOAA224 |
| Recomputed ratio | 10.03% | numerator / denominator | |
| Filed ratio | 10.03% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.03 pp | $14.0M | 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 | 74,606 | 74,606 | 74,606 | 74,606 | 74,606 | 74,606 | RCOAP742 |
| Retained earnings | 68,332 | 67,806 | 66,751 | 65,521 | 63,203 | 60,512 | RCOAKW00 |
| Accumulated other comprehensive income | (3,011) | (3,118) | (2,499) | (2,641) | (3,718) | (3,868) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 139,927 | 139,294 | 138,858 | 137,486 | 134,091 | 131,250 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (4,016) | (3,911) | (4,530) | (4,363) | (3,285) | (3,135) | P859 - P840 |
| Common equity Tier 1 capital | 135,911 | 135,383 | 134,328 | 133,123 | 130,806 | 128,115 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 135,911 | 135,383 | 134,328 | 133,123 | 130,806 | 128,115 | 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 | 1,355,099 | 1,270,100 | 1,308,720 | 1,231,860 | 1,260,203 | 1,208,549 | 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 | 10.03% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 10.66% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 10.26% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | CBLR | NA | NA | NA | 10.81% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | CBLR | NA | NA | NA | 10.38% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | CBLR | NA | NA | NA | 10.60% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | CBLR | NA | NA | NA | 10.26% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | CBLR | NA | NA | NA | 10.32% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | CBLR | NA | NA | NA | 10.79% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | CBLR | NA | NA | NA | 11.27% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | CBLR | NA | NA | NA | 10.96% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 10.64% | 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 |
|---|---|---|---|---|---|---|
| Plains Commerce Bank (this bank) | CBLR | NA | NA | NA | 10.03% | |
| Jonesboro State Bank | $1.30B | Risk-based | 18.70% | 18.70% | 18.99% | 7.67% |
| Pinnacle Bank - Wyoming | $1.30B | Risk-based | 14.39% | 14.39% | 15.64% | 10.69% |
| The Richwood Banking Company, Inc. | $1.30B | Risk-based | 13.77% | 13.77% | 14.76% | 10.76% |
| The Commercial and Savings Bank of Millersburg, Ohio | $1.30B | Risk-based | 15.30% | 15.30% | 16.55% | 10.25% |
| Adams Bank & Trust | $1.29B | CBLR | NA | NA | NA | 14.11% |
| Signature Bank, N.A. | $1.31B | Risk-based | 14.27% | 14.27% | 15.32% | 12.44% |
| Genesee Regional Bank | $1.31B | CBLR | NA | NA | NA | 10.97% |
| First Texas Bank | $1.31B | Risk-based | 20.48% | 20.48% | 20.89% | 11.25% |
| Webster Five Cents Savings Bank | $1.31B | CBLR | NA | NA | NA | 12.52% |
| Peer 25th percentile | 14.30% | 14.30% | 15.40% | 10.69% | ||
| Peer median | 14.84% | 14.84% | 16.10% | 10.97% | ||
| Peer 75th percentile | 17.85% | 17.85% | 18.38% | 12.44% | ||
| This bank's percentile | NA | NA | NA | 11 |
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/593052/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.