South Story Bank & Trust: 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 10.93% +1.93 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 | $65.9M | 65,902 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $603.1M | 603,074 | RCOAA224 |
| Recomputed ratio | 10.93% | numerator / denominator | |
| Filed ratio | 10.93% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.93 pp | $11.6M | 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 | 51,860 | 51,860 | 51,860 | 51,860 | 51,860 | 48,860 | RCOAP742 |
| Retained earnings | 21,990 | 20,834 | 19,988 | 19,028 | 17,768 | 17,069 | RCOAKW00 |
| Accumulated other comprehensive income | (643) | (630) | (601) | (622) | (772) | (761) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 73,207 | 72,064 | 71,247 | 70,266 | 68,856 | 65,168 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (7,305) | (7,318) | (7,347) | (7,326) | (7,176) | (7,187) | P859 - P840 |
| Common equity Tier 1 capital | 65,902 | 64,746 | 63,900 | 62,940 | 61,680 | 57,981 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 65,902 | 64,746 | 63,900 | 62,940 | 61,680 | 57,981 | 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 | 603,074 | 600,944 | 610,277 | 613,540 | 601,049 | 581,468 | 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 | 10.93% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 10.77% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.47% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 10.26% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 10.26% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 9.97% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 10.33% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 10.19% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 10.20% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 10.66% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 11.28% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 11.60% | 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 |
|---|---|---|---|---|---|---|
| South Story Bank & Trust (this bank) | CBLR | NA | NA | NA | 10.93% | |
| First Port City Bank | $623.9M | Risk-based | 13.64% | 13.64% | 14.89% | 10.49% |
| Liberty National Bank | $624.4M | Risk-based | 11.80% | 11.80% | 12.76% | 10.31% |
| Southeastern Bank | $624.9M | CBLR | NA | NA | NA | 13.42% |
| Sunrise Bank | $622.9M | CBLR | NA | NA | NA | 9.50% |
| Tioga State Bank, N.A. | $625.2M | Risk-based | 19.96% | 19.96% | 21.22% | 11.38% |
| American Bank N.A. | $625.2M | Risk-based | 14.59% | 14.59% | 15.84% | 10.86% |
| The First National Bank of Carmi | $622.2M | CBLR | NA | NA | NA | 11.42% |
| Demotte State Bank | $622.0M | CBLR | NA | NA | NA | 11.85% |
| Phelps County Bank | $621.7M | Risk-based | 13.03% | 13.03% | 14.13% | 8.88% |
| Evergreen Federal Bank | $621.6M | CBLR | NA | NA | NA | 13.24% |
| Peer 25th percentile | 13.03% | 13.03% | 14.13% | 10.36% | ||
| Peer median | 13.64% | 13.64% | 14.89% | 11.12% | ||
| Peer 75th percentile | 14.59% | 14.59% | 15.84% | 11.75% | ||
| This bank's percentile | NA | NA | NA | 50 |
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/542340/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.