Solera National 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 8.40% -0.60 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 | $143.5M | 143,465 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.71B | 1,708,265 | RCOAA224 |
| Recomputed ratio | 8.40% | numerator / denominator | |
| Filed ratio | 8.40% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | -0.60 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 | 35,368 | 35,353 | 35,338 | 35,383 | 35,368 | 35,353 | RCOAP742 |
| Retained earnings | 108,097 | 102,127 | 99,325 | 93,499 | 86,882 | 80,991 | RCOAKW00 |
| Accumulated other comprehensive income | (23,070) | (27,740) | (27,361) | (22,995) | (29,484) | (25,084) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 120,395 | 109,740 | 107,302 | 105,887 | 92,766 | 91,260 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 23,070 | 27,740 | 27,361 | 22,995 | 29,484 | 25,084 | P859 - P840 |
| Common equity Tier 1 capital | 143,465 | 137,480 | 134,663 | 128,882 | 122,250 | 116,344 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 143,465 | 137,480 | 134,663 | 128,882 | 122,250 | 116,344 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | 10,884 | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | 10,884 | |
| Total capital | NA | NA | NA | NA | NA | 127,228 | |
| Total risk-weighted assets | NA | NA | NA | NA | NA | 870,599 | |
| Average total assets for the leverage ratio | 1,708,265 | 1,568,730 | 1,375,033 | 1,235,594 | 1,284,359 | 1,187,322 | 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 | 8.40% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 8.76% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 9.79% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | CBLR | NA | NA | NA | 10.43% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | CBLR | NA | NA | NA | 9.52% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 13.36% | 13.36% | 14.61% | 9.80% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 12.43% | 12.43% | 13.66% | 9.32% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 11.62% | 11.62% | 12.82% | 8.64% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 10.84% | 10.84% | 12.03% | 7.91% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 10.08% | 10.08% | 11.23% | 7.60% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 10.20% | 10.20% | 11.26% | 7.59% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 9.67% | 9.67% | 10.70% | 7.37% | 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 |
|---|---|---|---|---|---|---|
| Solera National Bank (this bank) | CBLR | NA | NA | NA | 8.40% | |
| Dieterich Bank | $1.55B | Risk-based | 10.14% | 10.14% | 11.39% | 8.42% |
| Main Street Bank Corp. | $1.55B | Risk-based | 11.63% | 11.63% | 12.80% | 9.25% |
| Bonvenu Bank, N.A. | $1.55B | Risk-based | 13.50% | 13.50% | 14.66% | 10.04% |
| Quill Bank | $1.56B | Risk-based | 16.51% | 16.51% | 17.79% | 14.42% |
| The Citizens Bank of Philadelphia | $1.56B | Risk-based | 12.38% | 12.38% | 13.36% | 9.11% |
| Union Bank | $1.56B | Risk-based | 12.81% | 12.81% | 13.73% | 7.82% |
| Providence Bank & Trust | $1.56B | CBLR | NA | NA | NA | 11.50% |
| First State Bank | $1.56B | Risk-based | 14.42% | 14.42% | 15.68% | 10.93% |
| First Bank Midwest | $1.55B | Risk-based | 12.99% | 12.99% | 14.24% | 10.90% |
| Peer 25th percentile | 12.20% | 12.20% | 13.22% | 9.11% | ||
| Peer median | 12.90% | 12.90% | 13.98% | 10.04% | ||
| Peer 75th percentile | 13.73% | 13.73% | 14.92% | 10.93% | ||
| This bank's percentile | NA | NA | NA | 11 |
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/3397233/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.