Southern Hills Community 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 13.77% +4.77 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 | $28.6M | 28,645 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $208.0M | 208,047 | RCOAA224 |
| Recomputed ratio | 13.77% | numerator / denominator | |
| Filed ratio | 13.77% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +4.77 pp | $9.9M | 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 | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP742 |
| Retained earnings | 28,645 | 28,284 | 28,004 | 27,711 | 27,711 | 26,926 | RCOAKW00 |
| Accumulated other comprehensive income | (1,176) | (783) | (129) | (23) | (827) | (524) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 27,469 | 27,501 | 27,875 | 27,688 | 26,884 | 26,402 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,176 | 783 | 129 | 23 | 827 | 523 | P859 - P840 |
| Common equity Tier 1 capital | 28,645 | 28,284 | 28,004 | 27,711 | 27,711 | 26,925 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 28,645 | 28,284 | 28,004 | 27,711 | 27,711 | 26,925 | 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 | 208,047 | 204,983 | 205,734 | 201,842 | 199,010 | 191,475 | 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 | 13.77% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 13.80% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 13.61% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 13.73% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 13.92% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 14.06% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 14.29% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 14.87% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 14.92% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 14.93% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 14.99% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 15.11% | 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 |
|---|---|---|---|---|---|---|
| Southern Hills Community Bank (this bank) | CBLR | NA | NA | NA | 13.77% | |
| Apollo Trust Company | $209.4M | Risk-based | 17.96% | 17.96% | 19.16% | 11.05% |
| Capitol National Bank | $209.3M | CBLR | NA | NA | NA | 16.74% |
| Peoples State Bank of Velva | $210.0M | Risk-based | 12.27% | 12.27% | 13.51% | 9.31% |
| The Portage County Bank | $210.1M | CBLR | NA | NA | NA | 12.69% |
| The Farmers State Bank and Trust Company | $210.1M | CBLR | NA | NA | NA | 13.85% |
| Esb Bank | $208.9M | CBLR | NA | NA | NA | 9.20% |
| Bank Northwest | $210.3M | CBLR | NA | NA | NA | 9.66% |
| Iowa Trust and Savings Bank | $210.6M | CBLR | NA | NA | NA | 13.46% |
| Peru Federal Savings Bank | $208.5M | Risk-based | 31.90% | 31.90% | 32.74% | 16.43% |
| SEI Private Trust Company | $208.5M | Risk-based | 359.17% | 359.17% | 359.17% | 80.40% |
| Peer 25th percentile | 16.54% | 16.54% | 17.75% | 10.00% | ||
| Peer median | 24.93% | 24.93% | 25.95% | 13.07% | ||
| Peer 75th percentile | 113.72% | 113.72% | 114.35% | 15.78% | ||
| This bank's percentile | NA | NA | NA | 60 |
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/352370/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.