Riverside Savings Bank, SSB: 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 18.78% +9.78 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 | $17.7M | 17,702 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $94.3M | 94,280 | RCOAA224 |
| Recomputed ratio | 18.78% | numerator / denominator | |
| Filed ratio | 18.78% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +9.78 pp | $9.2M | 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 | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP742 |
| Retained earnings | 18,456 | 18,344 | 18,239 | 18,200 | 18,148 | 18,065 | RCOAKW00 |
| Accumulated other comprehensive income | (2,183) | (2,507) | (2,293) | (2,516) | (3,082) | (2,724) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 16,273 | 15,837 | 15,946 | 15,684 | 15,066 | 15,341 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,429 | 1,742 | 1,517 | 1,729 | 2,284 | 1,915 | P859 - P840 |
| Common equity Tier 1 capital | 17,702 | 17,579 | 17,463 | 17,413 | 17,350 | 17,256 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 17,702 | 17,579 | 17,463 | 17,413 | 17,350 | 17,256 | 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 | 94,280 | 93,556 | 92,960 | 91,906 | 92,114 | 91,816 | 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 | 18.78% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | CBLR | NA | NA | NA | 18.79% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | CBLR | NA | NA | NA | 18.79% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | CBLR | NA | NA | NA | 18.95% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | CBLR | NA | NA | NA | 18.84% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | CBLR | NA | NA | NA | 18.79% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | CBLR | NA | NA | NA | 18.61% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | CBLR | NA | NA | NA | 17.92% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | CBLR | NA | NA | NA | 18.31% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | CBLR | NA | NA | NA | 18.30% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | CBLR | NA | NA | NA | 17.90% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | CBLR | NA | NA | NA | 19.67% | 20.70% | 20.70% | 21.86% | 12.73% |
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 |
|---|---|---|---|---|---|---|
| Riverside Savings Bank, SSB (this bank) | CBLR | NA | NA | NA | 18.78% | |
| First Security Bank of Roundup | $94.5M | Risk-based | 27.14% | 27.14% | 27.30% | 13.36% |
| First State Bank of Harvey | $94.6M | CBLR | NA | NA | NA | 10.40% |
| Mayville State Bank | $94.6M | CBLR | NA | NA | NA | 11.72% |
| First Federal Savings Bank of Washington | $94.4M | CBLR | NA | NA | NA | 10.98% |
| Farmers Bank | $94.8M | CBLR | NA | NA | NA | 9.06% |
| Citizens Bank of Cumberland County, Inc. | $94.9M | CBLR | NA | NA | NA | 12.25% |
| Home National Bank | $95.0M | CBLR | NA | NA | NA | 10.46% |
| Community Bank of Missouri | $94.1M | Risk-based | 16.21% | 16.21% | 17.06% | 13.86% |
| Community Bank of Oelwein | $95.0M | CBLR | NA | NA | NA | 14.11% |
| Armstrong County Building and Loan Association | $95.1M | Risk-based | 28.13% | 28.13% | 29.00% | 12.50% |
| Peer 25th percentile | 21.68% | 21.68% | 22.18% | 10.59% | ||
| Peer median | 27.14% | 27.14% | 27.30% | 11.99% | ||
| Peer 75th percentile | 27.64% | 27.64% | 28.15% | 13.15% | ||
| 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/247476/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.