Solvay 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 9.53% +0.53 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 | $114.7M | 114,706 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.20B | 1,203,919 | RCOAA224 |
| Recomputed ratio | 9.53% | numerator / denominator | |
| Filed ratio | 9.53% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.53 pp | $6.4M | 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 | 20,176 | 20,176 | 20,176 | 20,176 | 20,176 | 20,176 | RCOAP742 |
| Retained earnings | 94,530 | 93,096 | 92,282 | 91,978 | 91,234 | 91,110 | RCOAKW00 |
| Accumulated other comprehensive income | (20,769) | (20,717) | (19,686) | (21,754) | (24,370) | (27,193) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 93,937 | 92,555 | 92,772 | 90,400 | 87,040 | 84,093 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 20,769 | 20,717 | 19,686 | 21,755 | 24,370 | 27,193 | P859 - P840 |
| Common equity Tier 1 capital | 114,706 | 113,272 | 112,458 | 112,155 | 111,410 | 111,286 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 114,706 | 113,272 | 112,458 | 112,155 | 111,410 | 111,286 | 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 | 1,203,919 | 1,227,384 | 1,218,789 | 1,215,979 | 1,189,067 | 1,201,599 | 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 | 9.53% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 9.23% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 9.23% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | CBLR | NA | NA | NA | 9.22% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | CBLR | NA | NA | NA | 9.37% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | CBLR | NA | NA | NA | 9.26% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | CBLR | NA | NA | NA | 9.08% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | CBLR | NA | NA | NA | 9.12% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | CBLR | NA | NA | NA | 9.14% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | CBLR | NA | NA | NA | 9.10% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | CBLR | NA | NA | NA | 9.54% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 9.57% | 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 |
|---|---|---|---|---|---|---|
| Solvay Bank (this bank) | CBLR | NA | NA | NA | 9.53% | |
| Commercewest Bank | $1.20B | Risk-based | 16.46% | 16.46% | 17.71% | 11.14% |
| The Dime Bank | $1.19B | Risk-based | 13.95% | 13.95% | 15.20% | 11.74% |
| Citizens Bank & Trust | $1.20B | Risk-based | 14.67% | 14.67% | 15.64% | 8.93% |
| Middletown Valley Bank | $1.19B | Risk-based | 11.72% | 11.72% | 12.89% | 9.18% |
| Helm Bank USA | $1.19B | Risk-based | 29.27% | 29.27% | 30.53% | 11.18% |
| Dime Bank | $1.21B | Risk-based | 15.18% | 15.18% | 16.14% | 11.76% |
| Dallas Capital Bank, National Association | $1.21B | CBLR | NA | NA | NA | 11.35% |
| Somerset Regal Bank | $1.19B | CBLR | NA | NA | NA | 13.81% |
| Peer 25th percentile | 14.13% | 14.13% | 15.31% | 10.65% | ||
| Peer median | 14.93% | 14.93% | 15.89% | 11.27% | ||
| Peer 75th percentile | 16.14% | 16.14% | 17.32% | 11.75% | ||
| This bank's percentile | NA | NA | NA | 25 |
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/722816/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.