Southwest National 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 10.32% +1.32 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 | $51.2M | 51,231 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $496.2M | 496,211 | RCOAA224 |
| Recomputed ratio | 10.32% | numerator / denominator | |
| Filed ratio | 10.32% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.32 pp | $6.6M | 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 | 15,293 | 15,293 | 15,293 | 15,293 | 15,294 | 15,293 | RCOAP742 |
| Retained earnings | 35,938 | 35,729 | 36,030 | 37,481 | 37,491 | 37,204 | RCOAKW00 |
| Accumulated other comprehensive income | (2,019) | (2,034) | (1,863) | (1,993) | (2,597) | (2,561) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 49,212 | 48,988 | 49,460 | 50,781 | 50,188 | 49,936 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,019 | 2,034 | 1,863 | 1,993 | 2,597 | 2,561 | P859 - P840 |
| Common equity Tier 1 capital | 51,231 | 51,022 | 51,323 | 52,774 | 52,785 | 52,497 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 51,231 | 51,022 | 51,323 | 52,774 | 52,785 | 52,497 | 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 | 496,211 | 507,869 | 517,607 | 519,726 | 523,963 | 531,989 | 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 | 10.32% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 10.05% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 9.92% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 10.15% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 10.07% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 9.87% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 9.69% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 9.50% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 9.33% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 9.23% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 10.04% | 10.04% | 11.05% | 9.21% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 9.96% | 9.96% | 10.98% | 9.26% | 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 |
|---|---|---|---|---|---|---|
| Southwest National Bank (this bank) | CBLR | NA | NA | NA | 10.32% | |
| Ambler Savings Bank | $502.3M | Risk-based | 21.35% | 21.35% | 22.16% | 14.29% |
| Colonial Savings, F.A. | $501.8M | Risk-based | 174.54% | 174.54% | 175.73% | 46.07% |
| Petefish, Skiles & Company | $501.6M | CBLR | NA | NA | NA | 9.12% |
| Unico Bank | $502.6M | Risk-based | 11.80% | 11.80% | 13.04% | 8.89% |
| Shamrock Bank, N.A. | $501.5M | CBLR | NA | NA | NA | 10.79% |
| First Electronic Bank | $502.9M | Risk-based | 90.01% | 90.01% | 90.58% | 46.82% |
| Hamlin Bank and Trust Company | $503.4M | CBLR | NA | NA | NA | 19.96% |
| Peoples Bank | $503.5M | Risk-based | 15.25% | 15.25% | 16.50% | 11.72% |
| The First National Bank of Mertzon | $500.3M | Risk-based | 76.85% | 76.85% | 78.10% | 15.75% |
| Grundy Bank | $504.7M | Risk-based | 22.43% | 22.43% | 23.68% | 12.62% |
| Peer 25th percentile | 18.30% | 18.30% | 19.33% | 11.02% | ||
| Peer median | 22.43% | 22.43% | 23.68% | 13.46% | ||
| Peer 75th percentile | 83.43% | 83.43% | 84.34% | 18.91% | ||
| This bank's percentile | NA | NA | NA | 20 |
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/499855/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.