Southern Independent 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 13.63% +4.63 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 | $54.6M | 54,615 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $400.8M | 400,815 | RCOAA224 |
| Recomputed ratio | 13.63% | numerator / denominator | |
| Filed ratio | 13.63% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +4.63 pp | $18.5M | 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 | 20,164 | 20,164 | 20,164 | 20,164 | 20,164 | 20,164 | RCOAP742 |
| Retained earnings | 34,451 | 33,450 | 32,246 | 31,485 | 33,396 | 32,016 | RCOAKW00 |
| Accumulated other comprehensive income | (9,369) | (9,543) | (8,582) | (9,298) | (10,946) | (11,878) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 45,246 | 44,071 | 43,828 | 42,351 | 42,614 | 40,302 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 9,369 | 9,543 | 8,582 | 9,298 | 10,946 | 11,878 | P859 - P840 |
| Common equity Tier 1 capital | 54,615 | 53,614 | 52,410 | 51,649 | 53,560 | 52,180 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 54,615 | 53,614 | 52,410 | 51,649 | 53,560 | 52,180 | RCOA8274 |
| Tier 2 capital | NA | NA | 2,624 | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | 2,624 | NA | NA | NA | |
| Total capital | NA | NA | 55,034 | NA | NA | NA | |
| Total risk-weighted assets | NA | NA | 245,154 | NA | NA | NA | |
| Average total assets for the leverage ratio | 400,815 | 396,883 | 392,970 | 385,322 | 378,914 | 371,789 | 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 | 13.63% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 13.51% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 21.38% | 21.38% | 22.45% | 13.34% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 13.40% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 14.14% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 14.03% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 21.14% | 21.14% | 22.11% | 13.65% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 13.82% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 13.80% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 13.66% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 20.66% | 20.66% | 21.60% | 14.06% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 14.25% | 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 Independent Bank (this bank) | CBLR | NA | NA | NA | 13.63% | |
| Ascendia Bank | $395.3M | Risk-based | 13.67% | 13.67% | 14.33% | 9.29% |
| Peoples Trust Company of St. Albans | $395.4M | Risk-based | 16.41% | 16.41% | 17.67% | 11.79% |
| Austin Capital Bank SSB | $395.4M | Risk-based | 39.04% | 39.04% | 40.29% | 10.22% |
| Citizens Bank of the South | $395.1M | Risk-based | 17.59% | 17.59% | 18.84% | 11.94% |
| Peoples State Bank of Hallettsville | $395.6M | CBLR | NA | NA | NA | 10.11% |
| First Westroads Bank, Inc. | $394.9M | CBLR | NA | NA | NA | 11.36% |
| The First National Bank of Stanton | $394.9M | Risk-based | 40.14% | 40.14% | 41.39% | 17.49% |
| The Bank of Glen Burnie | $394.9M | Risk-based | 11.95% | 11.95% | 13.10% | 8.79% |
| Grant County State Bank | $395.7M | Risk-based | 17.55% | 17.55% | 18.81% | 11.73% |
| Peer 25th percentile | 15.04% | 15.04% | 16.00% | 10.11% | ||
| Peer median | 17.55% | 17.55% | 18.81% | 11.36% | ||
| Peer 75th percentile | 28.31% | 28.31% | 29.56% | 11.79% | ||
| This bank's percentile | NA | NA | NA | 89 |
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/3531176/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.