Plains State 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 16.47% +7.47 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 | $139.5M | 139,521 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $847.0M | 846,974 | RCOAA224 |
| Recomputed ratio | 16.47% | numerator / denominator | |
| Filed ratio | 16.47% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +7.47 pp | $63.3M | 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 | 25,689 | 44,397 | 44,293 | 44,183 | 44,037 | 43,857 | RCOAP742 |
| Retained earnings | 115,434 | 111,620 | 113,675 | 106,462 | 102,026 | 97,505 | RCOAKW00 |
| Accumulated other comprehensive income | (4,229) | (4,021) | (3,670) | (3,742) | (5,212) | (5,249) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 136,894 | 151,996 | 154,298 | 146,903 | 140,851 | 136,113 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,627 | 2,419 | 2,068 | (3,500) | (2,084) | (2,100) | P859 - P840 |
| Common equity Tier 1 capital | 139,521 | 154,415 | 156,366 | 143,403 | 138,767 | 134,013 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 139,521 | 154,415 | 156,366 | 143,403 | 138,767 | 134,013 | 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 | 846,974 | 892,545 | 878,688 | 867,109 | 887,939 | 906,980 | 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 | 16.47% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 17.30% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 17.80% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 16.54% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 15.63% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 14.78% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 15.59% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 15.44% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 14.97% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 14.57% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 15.04% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 14.80% | 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 |
|---|---|---|---|---|---|---|
| Plains State Bank (this bank) | CBLR | NA | NA | NA | 16.47% | |
| Barwick Banking Company | $829.6M | Risk-based | 9.60% | 9.60% | 10.58% | 8.67% |
| Bank of the West | $829.8M | Risk-based | 15.31% | 15.31% | 16.53% | 9.66% |
| Community Federal Savings Bank | $827.0M | Risk-based | 19.14% | 19.14% | 19.98% | 9.94% |
| Premier Bank | $826.5M | CBLR | NA | NA | NA | 9.55% |
| Quail Creek Bank | $831.2M | CBLR | NA | NA | NA | 9.07% |
| Oregon Pacific Banking Co. dba Oregon Pacific Bank | $825.4M | Risk-based | 14.42% | 14.42% | 15.67% | 11.18% |
| First Century Bank, N.A. | $831.6M | CBLR | NA | NA | NA | 16.84% |
| Arthur State Bank | $831.9M | Risk-based | 12.15% | 12.15% | 13.35% | 8.30% |
| Peer 25th percentile | 12.15% | 12.15% | 13.35% | 8.97% | ||
| Peer median | 14.42% | 14.42% | 15.67% | 9.60% | ||
| Peer 75th percentile | 15.31% | 15.31% | 16.53% | 10.25% | ||
| This bank's percentile | NA | NA | NA | 88 |
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/972862/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.