Southerntrust 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 10.23% +1.23 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 | 28,590 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $279.4M | 279,386 | RCOAA224 |
| Recomputed ratio | 10.23% | numerator / denominator | |
| Filed ratio | 10.23% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.23 pp | $3.4M | 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 | 16,276 | 16,276 | 16,276 | 16,276 | 16,276 | 16,276 | RCOAP742 |
| Retained earnings | 14,558 | 14,923 | 14,167 | 13,523 | 12,933 | 12,351 | RCOAKW00 |
| Accumulated other comprehensive income | (212) | (163) | (197) | (372) | (847) | (654) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 30,622 | 31,036 | 30,246 | 29,427 | 28,362 | 27,973 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (2,032) | (2,089) | (2,063) | (1,896) | (1,429) | (1,630) | P859 - P840 |
| Common equity Tier 1 capital | 28,590 | 28,947 | 28,183 | 27,531 | 26,933 | 26,343 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 28,590 | 28,947 | 28,183 | 27,531 | 26,933 | 26,343 | 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 | 279,386 | 278,321 | 269,550 | 273,625 | 269,424 | 275,121 | 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 | 10.23% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 10.40% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.46% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 10.06% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 10.00% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 9.58% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 9.53% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 9.62% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 9.55% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 9.13% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 9.12% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 9.29% | 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 |
|---|---|---|---|---|---|---|
| Southerntrust Bank (this bank) | CBLR | NA | NA | NA | 10.23% | |
| First Federal Savings & Loan Association of Valdosta | $278.5M | CBLR | NA | NA | NA | 12.26% |
| First Bank of Ohio | $278.4M | CBLR | NA | NA | NA | 35.51% |
| Bank of the Federated States of Micronesia | $278.4M | Risk-based | 47.46% | 47.46% | 48.73% | 12.47% |
| FNB Bank, Inc. | $277.9M | CBLR | NA | NA | NA | 10.60% |
| Guthrie County State Bank | $279.2M | Risk-based | 16.71% | 16.71% | 17.72% | 12.33% |
| Town and Country Bank Midwest | $279.3M | CBLR | NA | NA | NA | 14.89% |
| Incommons Bank, N.A. | $277.6M | Risk-based | 15.01% | 15.01% | 16.23% | 10.20% |
| The Farmers State Bank of Waupaca | $279.5M | CBLR | NA | NA | NA | 11.57% |
| Security State Bank | $279.5M | CBLR | NA | NA | NA | 10.73% |
| Peer 25th percentile | 15.86% | 15.86% | 16.98% | 10.73% | ||
| Peer median | 16.71% | 16.71% | 17.72% | 12.26% | ||
| Peer 75th percentile | 32.09% | 32.09% | 33.23% | 12.47% | ||
| 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/3316739/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.