Southstar Bank, S.S.B.: 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 13.28% +4.28 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 | $179.0M | 179,029 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.35B | 1,347,637 | RCOAA224 |
| Recomputed ratio | 13.28% | numerator / denominator | |
| Filed ratio | 13.28% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +4.28 pp | $57.7M | 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 | 14,006 | 14,006 | 14,006 | 14,006 | 14,006 | 14,006 | RCOAP742 |
| Retained earnings | 165,082 | 161,319 | 157,753 | 153,988 | 150,250 | 146,933 | RCOAKW00 |
| Accumulated other comprehensive income | (8,282) | (8,106) | (7,034) | (7,515) | (10,458) | (10,339) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 170,806 | 167,219 | 164,725 | 160,479 | 153,798 | 150,600 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 8,223 | 7,958 | 6,798 | 7,190 | 10,045 | 9,837 | P859 - P840 |
| Common equity Tier 1 capital | 179,029 | 175,177 | 171,523 | 167,669 | 163,843 | 160,437 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 179,029 | 175,177 | 171,523 | 167,669 | 163,843 | 160,437 | RCOA8274 |
| Tier 2 capital | NA | 8,039 | 8,283 | 8,090 | 7,939 | 7,811 | |
| Allowance includable in Tier 2 capital | NA | 8,039 | 8,283 | 8,090 | 7,939 | 7,811 | |
| Total capital | NA | 183,216 | 179,806 | 175,759 | 171,782 | 168,248 | |
| Total risk-weighted assets | NA | 947,652 | 944,234 | 923,425 | 916,918 | 876,948 | |
| Average total assets for the leverage ratio | 1,347,637 | 1,319,996 | 1,300,545 | 1,283,690 | 1,277,533 | 1,230,552 | 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 | 13.28% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 18.49% | 18.49% | 19.33% | 13.27% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 18.17% | 18.17% | 19.04% | 13.19% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 18.16% | 18.16% | 19.03% | 13.06% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 17.87% | 17.87% | 18.73% | 12.82% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 18.29% | 18.29% | 19.19% | 13.04% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 18.70% | 18.70% | 19.63% | 13.12% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 18.07% | 18.07% | 18.99% | 12.79% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 17.15% | 17.15% | 18.02% | 12.41% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 16.70% | 16.70% | 17.56% | 11.95% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 16.52% | 16.52% | 17.39% | 11.69% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 15.45% | 15.45% | 16.28% | 11.25% | 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 |
|---|---|---|---|---|---|---|
| Southstar Bank, S.S.B. (this bank) | CBLR | NA | NA | NA | 13.28% | |
| Ballston Spa National Bank | $1.37B | Risk-based | 12.52% | 12.52% | 14.66% | 8.74% |
| Community Financial Services Bank | $1.37B | Risk-based | 13.52% | 13.52% | 14.77% | 10.33% |
| The Bank of New York Mellon Trust Company, N.A. | $1.37B | Risk-based | 283.37% | 283.37% | 284.22% | 63.50% |
| Truxton Trust Company | $1.37B | Risk-based | 14.02% | 14.02% | 14.92% | 9.27% |
| County National Bank | $1.36B | Risk-based | 11.01% | 11.01% | 12.16% | 9.34% |
| The City National Bank of Sulphur Springs | $1.37B | Risk-based | 13.75% | 13.75% | 15.00% | 9.78% |
| Texas Security Bank | $1.38B | Risk-based | 13.35% | 13.35% | 14.55% | 9.57% |
| FM Bank and Trust | $1.36B | Risk-based | 10.42% | 10.42% | 11.67% | 8.62% |
| First Bank of Alabama | $1.36B | Risk-based | 13.37% | 13.37% | 14.35% | 9.82% |
| Southpoint Bank | $1.36B | Risk-based | 8.91% | 8.91% | 10.18% | 6.86% |
| Peer 25th percentile | 11.39% | 11.39% | 12.71% | 8.87% | ||
| Peer median | 13.36% | 13.36% | 14.61% | 9.45% | ||
| Peer 75th percentile | 13.69% | 13.69% | 14.88% | 9.81% | ||
| This bank's percentile | NA | NA | NA | 90 |
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/171768/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.