Shelby County State 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 10.44% +1.44 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 | $38.8M | 38,755 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $371.3M | 371,337 | RCOAA224 |
| Recomputed ratio | 10.44% | numerator / denominator | |
| Filed ratio | 10.44% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.44 pp | $5.3M | 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 | 3,785 | 3,785 | 3,785 | 3,785 | 3,785 | 3,785 | RCOAP742 |
| Retained earnings | 34,970 | 34,500 | 33,101 | 32,652 | 31,782 | 31,612 | RCOAKW00 |
| Accumulated other comprehensive income | (8,271) | (8,061) | (8,355) | (9,192) | (12,374) | (11,327) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 30,484 | 30,224 | 28,531 | 27,245 | 23,193 | 24,070 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 8,271 | 8,061 | 8,355 | 9,192 | 12,374 | 11,327 | P859 - P840 |
| Common equity Tier 1 capital | 38,755 | 38,285 | 36,886 | 36,437 | 35,567 | 35,397 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 38,755 | 38,285 | 36,886 | 36,437 | 35,567 | 35,397 | 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 | 371,337 | 371,127 | 367,264 | 361,083 | 362,200 | 362,245 | 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 | 10.44% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 10.32% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.04% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 10.09% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 9.82% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 9.77% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 9.46% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 9.45% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 9.49% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 9.63% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 9.74% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 9.51% | 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 |
|---|---|---|---|---|---|---|
| Shelby County State Bank (this bank) | CBLR | NA | NA | NA | 10.44% | |
| Bankstar Financial | $363.5M | Risk-based | 12.02% | 12.02% | 13.08% | 9.42% |
| The First National Bank of Bangor | $363.7M | CBLR | NA | NA | NA | 31.61% |
| Commercial Bank & Trust Company | $364.0M | CBLR | NA | NA | NA | 11.30% |
| Amerifirst Bank | $364.1M | Risk-based | 11.97% | 11.97% | 13.10% | 9.66% |
| Marion Community Bank | $364.2M | CBLR | NA | NA | NA | 9.83% |
| Desjardins Bank, N.A. | $362.1M | CBLR | NA | NA | NA | 19.31% |
| Native American Bank, N.A. | $362.0M | CBLR | NA | NA | NA | 14.39% |
| Shell Lake State Bank | $361.8M | CBLR | NA | NA | NA | 12.31% |
| Progrowth Bank | $364.8M | Risk-based | 20.01% | 20.01% | 20.50% | 7.09% |
| Rabun County Bank | $361.5M | CBLR | NA | NA | NA | 10.49% |
| Peer 25th percentile | 12.00% | 12.00% | 13.09% | 9.70% | ||
| Peer median | 12.02% | 12.02% | 13.10% | 10.89% | ||
| Peer 75th percentile | 16.01% | 16.01% | 16.80% | 13.87% | ||
| This bank's percentile | NA | NA | NA | 40 |
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/235446/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.