Senath State Bank: Regulatory Capital and Risk-Weighted Assets
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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 15.45% +6.45 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 | $15.6M | 15,579 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $100.9M | 100,853 | RCOAA224 |
| Recomputed ratio | 15.45% | numerator / denominator | |
| Filed ratio | 15.45% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +6.45 pp | $6.5M | 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 | 500 | 500 | 500 | 500 | 500 | 500 | RCOAP742 |
| Retained earnings | 15,079 | 14,795 | 15,175 | 14,683 | 14,440 | 14,206 | RCOAKW00 |
| Accumulated other comprehensive income | (43) | (22) | 77 | 32 | (16) | (89) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 15,536 | 15,273 | 15,752 | 15,215 | 14,924 | 14,617 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 43 | 0 | (77) | (32) | 16 | 89 | P859 - P840 |
| Common equity Tier 1 capital | 15,579 | 15,273 | 15,675 | 15,183 | 14,940 | 14,706 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 15,579 | 15,273 | 15,675 | 15,183 | 14,940 | 14,706 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | 585 | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | 585 | NA | NA | |
| Total capital | NA | NA | NA | 15,768 | NA | NA | |
| Total risk-weighted assets | NA | NA | NA | 46,667 | NA | NA | |
| Average total assets for the leverage ratio | 100,853 | 102,990 | 99,120 | 97,271 | 99,271 | 101,416 | 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 | 15.45% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | CBLR | NA | NA | NA | 14.83% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | CBLR | NA | NA | NA | 15.81% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | Risk-based | 32.53% | 32.53% | 33.79% | 15.61% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | CBLR | NA | NA | NA | 15.05% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | CBLR | NA | NA | NA | 14.50% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | CBLR | NA | NA | NA | 15.09% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | Risk-based | 28.39% | 28.39% | 29.64% | 15.46% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | CBLR | NA | NA | NA | 14.87% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | CBLR | NA | NA | NA | 13.82% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | CBLR | NA | NA | NA | 14.72% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | CBLR | NA | NA | NA | 14.74% | 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 |
|---|---|---|---|---|---|---|
| Senath State Bank (this bank) | CBLR | NA | NA | NA | 15.45% | |
| American Exchange Bank, Lindsay, Oklahoma | $97.4M | CBLR | NA | NA | NA | 11.84% |
| United Security Bank | $97.2M | Risk-based | 19.42% | 19.42% | 20.68% | 13.38% |
| Genesis Bank | $97.2M | CBLR | NA | NA | NA | 19.59% |
| Port Richmond Savings | $97.2M | CBLR | NA | NA | NA | 22.56% |
| The First National Bank of Osakis | $97.6M | Risk-based | 10.77% | 10.77% | 11.74% | 8.67% |
| Community First Bank | $97.6M | CBLR | NA | NA | NA | 11.02% |
| The First Central National Bank of Saint Paris | $97.0M | Risk-based | 29.75% | 29.75% | 30.56% | 18.89% |
| BANK47 | $97.0M | CBLR | NA | NA | NA | 12.97% |
| Peer 25th percentile | 15.10% | 15.10% | 16.21% | 11.63% | ||
| Peer median | 19.42% | 19.42% | 20.68% | 13.18% | ||
| Peer 75th percentile | 24.59% | 24.59% | 25.62% | 19.06% | ||
| This bank's percentile | NA | NA | NA | 62 |
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/203052/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.