Producers Bank & Trust: 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 22.09% +13.09 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 | $46.9M | 46,853 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $212.1M | 212,114 | RCOAA224 |
| Recomputed ratio | 22.09% | numerator / denominator | |
| Filed ratio | 22.09% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +13.09 pp | $27.8M | 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 | 24,193 | 24,193 | 23,993 | 23,824 | 9,032 | 9,032 | RCOAP742 |
| Retained earnings | 22,660 | 22,433 | 21,333 | 22,038 | 21,303 | 21,146 | RCOAKW00 |
| Accumulated other comprehensive income | (117) | (53) | 68 | 69 | 32 | 18 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 46,736 | 46,573 | 45,394 | 45,931 | 30,367 | 30,196 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 117 | 53 | (68) | (69) | (31) | (18) | P859 - P840 |
| Common equity Tier 1 capital | 46,853 | 46,626 | 45,326 | 45,862 | 30,336 | 30,178 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 46,853 | 46,626 | 45,326 | 45,862 | 30,336 | 30,178 | 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 | 212,114 | 199,126 | 201,263 | 191,143 | 183,273 | 168,689 | 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 | 22.09% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 23.42% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 22.52% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 23.99% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 16.55% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 17.89% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 16.30% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 17.10% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 17.83% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 17.48% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 16.65% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 18.15% | 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 |
|---|---|---|---|---|---|---|
| Producers Bank & Trust (this bank) | CBLR | NA | NA | NA | 22.09% | |
| Iowa State Bank | $213.3M | CBLR | NA | NA | NA | 11.53% |
| The Farmers and Merchants Bank | $213.4M | Risk-based | 12.87% | 12.87% | 14.04% | 9.12% |
| Surety Bank | $213.7M | Risk-based | 23.84% | 23.84% | 24.93% | 13.24% |
| Farmers Savings Bank & Trust | $212.7M | Risk-based | 18.51% | 18.51% | 19.09% | 10.25% |
| Tricentury Bank | $213.8M | CBLR | NA | NA | NA | 10.76% |
| The Perryton National Bank | $212.7M | CBLR | NA | NA | NA | 16.40% |
| First State Bank of Odem | $212.6M | CBLR | NA | NA | NA | 14.39% |
| Exchange Bank and Trust Company | $212.5M | CBLR | NA | NA | NA | 11.42% |
| The Lyon County State Bank | $212.5M | Risk-based | 19.05% | 19.05% | 20.31% | 9.61% |
| Aroostook County Federal Savings & Loan Association | $214.0M | Risk-based | 16.04% | 16.04% | 16.69% | 10.39% |
| Peer 25th percentile | 16.04% | 16.04% | 16.69% | 10.29% | ||
| Peer median | 18.51% | 18.51% | 19.09% | 11.09% | ||
| Peer 75th percentile | 19.05% | 19.05% | 20.31% | 12.81% | ||
| 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/897648/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.