Settlers 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 16.19% +7.19 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 | $23.2M | 23,183 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $143.2M | 143,209 | RCOAA224 |
| Recomputed ratio | 16.19% | numerator / denominator | |
| Filed ratio | 16.19% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +7.19 pp | $10.3M | 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 | 6,998 | 6,998 | 6,998 | 6,998 | 6,998 | 6,998 | RCOAP742 |
| Retained earnings | 16,185 | 15,805 | 15,605 | 15,339 | 14,734 | 14,479 | RCOAKW00 |
| Accumulated other comprehensive income | (266) | (165) | 12 | 43 | (153) | (174) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 22,917 | 22,638 | 22,615 | 22,380 | 21,579 | 21,303 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 266 | 165 | (12) | (43) | 153 | 174 | P859 - P840 |
| Common equity Tier 1 capital | 23,183 | 22,803 | 22,603 | 22,337 | 21,732 | 21,477 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 23,183 | 22,803 | 22,603 | 22,337 | 21,732 | 21,477 | 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 | 143,209 | 138,553 | 137,170 | 133,727 | 133,870 | 131,455 | 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 | 16.19% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 16.46% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 16.48% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 16.70% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 16.23% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 16.34% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 16.07% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 16.31% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 16.37% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 15.84% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 15.45% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 15.21% | 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 |
|---|---|---|---|---|---|---|
| Settlers Bank (this bank) | CBLR | NA | NA | NA | 16.19% | |
| Citizens Community Bank | $142.6M | CBLR | NA | NA | NA | 11.56% |
| Bank of Winona | $142.7M | Risk-based | 34.20% | 34.20% | 35.45% | 13.12% |
| Four States Bank | $142.1M | CBLR | NA | NA | NA | 15.85% |
| Marion State Bank | $142.0M | CBLR | NA | NA | NA | 14.65% |
| Bank of Cadiz and Trust Company | $142.9M | Risk-based | 15.30% | 15.30% | 16.12% | 9.07% |
| Farmers and Merchants State Bank | $143.1M | CBLR | NA | NA | NA | 15.70% |
| Bank of Dixon County | $141.7M | Risk-based | 21.22% | 21.22% | 23.60% | 13.29% |
| First State Bank | $141.7M | CBLR | NA | NA | NA | 11.23% |
| Peer 25th percentile | 18.26% | 18.26% | 19.86% | 11.48% | ||
| Peer median | 21.22% | 21.22% | 23.60% | 13.21% | ||
| Peer 75th percentile | 27.71% | 27.71% | 29.53% | 14.91% | ||
| 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/2747279/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.