Profile 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 9.27% +0.27 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 | $28.6M | 28,612 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $308.8M | 308,752 | RCOAA224 |
| Recomputed ratio | 9.27% | numerator / denominator | |
| Filed ratio | 9.27% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.27 pp | $824K | 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 | 1 | 1 | 1 | 1 | 1 | 1 | RCOAP742 |
| Retained earnings | 28,611 | 28,543 | 28,323 | 28,215 | 27,963 | 27,934 | RCOAKW00 |
| Accumulated other comprehensive income | (380) | (407) | (421) | (444) | (494) | (524) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 28,232 | 28,137 | 27,903 | 27,772 | 27,470 | 27,411 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 380 | 407 | 421 | 444 | 494 | 524 | P859 - P840 |
| Common equity Tier 1 capital | 28,612 | 28,544 | 28,324 | 28,216 | 27,964 | 27,935 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 28,612 | 28,544 | 28,324 | 28,216 | 27,964 | 27,935 | RCOA8274 |
| Tier 2 capital | NA | 739 | 750 | 757 | 766 | 788 | |
| Allowance includable in Tier 2 capital | NA | 739 | 750 | 757 | 766 | 788 | |
| Total capital | NA | 29,283 | 29,074 | 28,973 | 28,730 | 28,723 | |
| Total risk-weighted assets | NA | 176,166 | 179,712 | 170,682 | 167,218 | 164,353 | |
| Average total assets for the leverage ratio | 308,752 | 311,285 | 317,875 | 322,544 | 300,956 | 300,538 | 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 | 9.27% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 16.20% | 16.20% | 16.62% | 9.17% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 15.76% | 15.76% | 16.18% | 8.91% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 16.53% | 16.53% | 16.97% | 8.75% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 16.72% | 16.72% | 17.18% | 9.29% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 17.00% | 17.00% | 17.48% | 9.29% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 17.13% | 17.13% | 17.61% | 9.43% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 17.09% | 17.09% | 17.57% | 9.31% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 16.46% | 16.46% | 16.93% | 9.36% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 17.24% | 17.24% | 17.73% | 9.48% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 16.98% | 16.98% | 17.47% | 9.43% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 17.68% | 17.68% | 18.18% | 9.50% | 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 |
|---|---|---|---|---|---|---|
| Profile Bank (this bank) | CBLR | NA | NA | NA | 9.27% | |
| First Bethany Bank & Trust | $316.8M | CBLR | NA | NA | NA | 9.10% |
| Longview Community Bank | $316.8M | Risk-based | 11.87% | 11.87% | 12.77% | 8.50% |
| Evermore Bank | $316.9M | Risk-based | 15.65% | 15.65% | 16.83% | 13.52% |
| Sewickley Savings Bank | $316.3M | Risk-based | 45.40% | 45.40% | 45.40% | 23.76% |
| Bank of Coushatta | $317.1M | Risk-based | 14.22% | 14.22% | 15.20% | 9.23% |
| First Southern Bank | $317.3M | CBLR | NA | NA | NA | 10.57% |
| Putnam County State Bank | $317.6M | CBLR | NA | NA | NA | 13.52% |
| Bay Bank | $315.7M | Risk-based | 22.31% | 22.31% | 23.56% | 11.19% |
| Bank of York | $317.7M | Risk-based | 34.14% | 34.14% | 35.12% | 12.88% |
| Peer 25th percentile | 14.58% | 14.58% | 15.61% | 9.23% | ||
| Peer median | 18.98% | 18.98% | 20.20% | 11.19% | ||
| Peer 75th percentile | 31.18% | 31.18% | 32.23% | 13.52% | ||
| This bank's percentile | NA | NA | NA | 33 |
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/672573/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.