Savings Bank of Mendocino County: 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 17.93% +8.93 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 | $239.1M | 239,101 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.33B | 1,333,574 | RCOAA224 |
| Recomputed ratio | 17.93% | numerator / denominator | |
| Filed ratio | 17.93% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +8.93 pp | $119.1M | 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 | 7,491 | 7,491 | 7,491 | 7,491 | 7,491 | 7,491 | RCOAP742 |
| Retained earnings | 231,610 | 229,183 | 227,042 | 224,673 | 222,965 | 221,132 | RCOAKW00 |
| Accumulated other comprehensive income | (53,949) | (57,901) | (52,148) | (56,601) | (68,339) | (68,409) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 185,152 | 178,773 | 182,385 | 175,563 | 162,117 | 160,214 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 53,949 | 57,901 | 52,148 | 56,601 | 68,339 | 68,409 | P859 - P840 |
| Common equity Tier 1 capital | 239,101 | 236,674 | 234,533 | 232,164 | 230,456 | 228,623 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 239,101 | 236,674 | 234,533 | 232,164 | 230,456 | 228,623 | 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 | 1,333,574 | 1,357,879 | 1,397,715 | 1,388,425 | 1,372,114 | 1,375,604 | 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 | 17.93% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 17.43% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 16.78% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | CBLR | NA | NA | NA | 16.72% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | CBLR | NA | NA | NA | 16.80% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | CBLR | NA | NA | NA | 16.62% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | CBLR | NA | NA | NA | 16.47% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | CBLR | NA | NA | NA | 16.50% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | CBLR | NA | NA | NA | 16.32% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | CBLR | NA | NA | NA | 16.26% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | CBLR | NA | NA | NA | 16.18% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 15.78% | 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 |
|---|---|---|---|---|---|---|
| Savings Bank of Mendocino County (this bank) | CBLR | NA | NA | NA | 17.93% | |
| Forward Bank | $1.28B | Risk-based | 10.94% | 11.85% | 12.83% | 9.18% |
| Synergy Bank | $1.28B | CBLR | NA | NA | NA | 11.26% |
| First Southern National Bank | $1.28B | Risk-based | 18.33% | 18.33% | 19.58% | 10.85% |
| First Harrison Bank | $1.29B | CBLR | NA | NA | NA | 11.33% |
| Consumers National Bank | $1.28B | Risk-based | 10.91% | 10.91% | 11.93% | 8.35% |
| Adams Bank & Trust | $1.29B | CBLR | NA | NA | NA | 14.11% |
| The Commercial and Savings Bank of Millersburg, Ohio | $1.30B | Risk-based | 15.30% | 15.30% | 16.55% | 10.25% |
| The Richwood Banking Company, Inc. | $1.30B | Risk-based | 13.77% | 13.77% | 14.76% | 10.76% |
| Legend Bank, N. A. | $1.27B | Risk-based | 14.14% | 14.14% | 15.32% | 10.35% |
| Pinnacle Bank - Wyoming | $1.30B | Risk-based | 14.39% | 14.39% | 15.64% | 10.69% |
| Peer 25th percentile | 12.36% | 12.81% | 13.79% | 10.27% | ||
| Peer median | 14.14% | 14.14% | 15.32% | 10.73% | ||
| Peer 75th percentile | 14.84% | 14.84% | 16.10% | 11.16% | ||
| 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/146663/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.