Providence 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 12.21% +3.21 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 | $179.1M | 179,064 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.47B | 1,466,258 | RCOAA224 |
| Recomputed ratio | 12.21% | numerator / denominator | |
| Filed ratio | 12.21% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +3.21 pp | $47.1M | 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 | 81,158 | 80,890 | 80,643 | 80,396 | 80,150 | 79,969 | RCOAP742 |
| Retained earnings | 111,297 | 107,093 | 103,389 | 98,116 | 94,136 | 90,755 | RCOAKW00 |
| Accumulated other comprehensive income | (5,938) | (5,933) | (4,628) | (5,113) | (7,535) | (7,090) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 186,517 | 182,050 | 179,404 | 173,399 | 166,751 | 163,634 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (7,453) | (7,686) | (9,227) | (8,984) | (6,812) | (7,514) | P859 - P840 |
| Common equity Tier 1 capital | 179,064 | 174,364 | 170,177 | 164,415 | 159,939 | 156,120 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 179,064 | 174,364 | 170,177 | 164,415 | 159,939 | 156,120 | RCOA8274 |
| Tier 2 capital | NA | 11,326 | 11,066 | 10,993 | 10,951 | 10,842 | |
| Allowance includable in Tier 2 capital | NA | 11,326 | 11,066 | 10,993 | 10,951 | 10,842 | |
| Total capital | NA | 185,690 | 181,243 | 175,408 | 170,890 | 166,962 | |
| Total risk-weighted assets | NA | 1,314,707 | 1,276,125 | 1,255,882 | 1,240,541 | 1,210,920 | |
| Average total assets for the leverage ratio | 1,466,258 | 1,398,570 | 1,385,601 | 1,384,934 | 1,357,164 | 1,330,264 | 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 | 12.21% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 13.26% | 13.26% | 14.12% | 12.47% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 13.34% | 13.34% | 14.20% | 12.28% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 13.09% | 13.09% | 13.97% | 11.87% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 12.89% | 12.89% | 13.78% | 11.78% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 12.89% | 12.89% | 13.79% | 11.74% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 12.87% | 12.87% | 13.76% | 11.69% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 12.55% | 12.55% | 13.45% | 11.38% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 12.11% | 12.11% | 13.01% | 11.16% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 13.18% | 13.18% | 13.96% | 12.33% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 12.44% | 12.44% | 13.23% | 11.88% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 12.56% | 12.56% | 13.35% | 12.17% | 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 |
|---|---|---|---|---|---|---|
| Providence Bank (this bank) | CBLR | NA | NA | NA | 12.21% | |
| Deerwood Bank | $1.52B | Risk-based | 11.34% | 11.34% | 12.13% | 8.06% |
| Bank of Utica | $1.51B | CBLR | NA | NA | NA | 26.49% |
| 1st Summit Bank | $1.52B | Risk-based | 13.74% | 13.74% | 14.54% | 8.61% |
| Greenfield Savings Bank | $1.52B | Risk-based | 14.50% | 14.50% | 15.48% | 10.12% |
| Bath Savings Institution | $1.50B | CBLR | NA | NA | NA | 15.76% |
| Peoples State Bank | $1.50B | Risk-based | 13.41% | 13.41% | 14.63% | 10.17% |
| First National Bank of Pulaski | $1.50B | CBLR | NA | NA | NA | 11.32% |
| Ascend Bank | $1.49B | CBLR | NA | NA | NA | 9.65% |
| Park State Bank | $1.49B | Risk-based | 14.94% | 14.94% | 15.80% | 9.89% |
| Peer 25th percentile | 13.41% | 13.41% | 14.54% | 9.65% | ||
| Peer median | 13.74% | 13.74% | 14.63% | 10.12% | ||
| Peer 75th percentile | 14.50% | 14.50% | 15.48% | 11.32% | ||
| This bank's percentile | NA | NA | NA | 78 |
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/3404506/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.