St. Landry Bank and Trust Company: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 19.91% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 19.91% (RCOAH311).
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.
Common equity Tier 1 ratio 26.65% +20.15 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $32.7M | 32,733 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $122.8M | 122,827 | RCOAA223 |
| Recomputed ratio | 26.65% | numerator / denominator | |
| Filed ratio | 26.65% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +20.15 pp | $24.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 26.65% +18.65 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $32.7M | 32,733 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $122.8M | 122,827 | RCOAA223 |
| Recomputed ratio | 26.65% | numerator / denominator | |
| Filed ratio | 26.65% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +18.65 pp | $22.9M | capital that could be lost first |
Total risk-based capital ratio 27.91% +17.91 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $34.3M | 34,276 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $122.8M | 122,827 | RCOAA223 |
| Recomputed ratio | 27.91% | numerator / denominator | |
| Filed ratio | 27.91% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +17.91 pp | $22.0M | capital that could be lost first |
Tier 1 leverage ratio 11.20% +6.20 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $32.7M | 32,733 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $292.3M | 292,294 | RCOAA224 |
| Recomputed ratio | 11.20% | numerator / denominator | |
| Filed ratio | 11.20% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.20 pp | $18.1M | 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 | 10,597 | 10,597 | 10,597 | 10,597 | 10,597 | 10,597 | RCOAP742 |
| Retained earnings | 22,136 | 21,860 | 22,740 | 22,684 | 22,531 | 21,786 | RCOAKW00 |
| Accumulated other comprehensive income | (8,268) | (8,987) | (9,906) | (11,050) | (12,579) | (13,798) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 24,465 | 23,470 | 23,431 | 22,231 | 20,549 | 18,585 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 8,268 | 8,987 | 9,906 | 11,050 | 12,579 | 13,798 | P859 - P840 |
| Common equity Tier 1 capital | 32,733 | 32,457 | 33,337 | 33,281 | 33,128 | 32,383 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 32,733 | 32,457 | 33,337 | 33,281 | 33,128 | 32,383 | RCOA8274 |
| Tier 2 capital | 1,543 | 1,564 | 1,547 | 1,584 | 1,529 | 1,482 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,543 | 1,564 | 1,547 | 1,584 | 1,529 | 1,482 | RCOA5310 |
| Total capital | 34,276 | 34,021 | 34,884 | 34,865 | 34,657 | 33,865 | RCOA3792 |
| Total risk-weighted assets | 122,827 | 124,460 | 123,068 | 126,123 | 121,742 | 117,981 | RCOAA223 |
| Average total assets for the leverage ratio | 292,294 | 293,176 | 293,521 | 288,785 | 291,682 | 286,835 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $30.8M | $379K | 1.23% | 0.31% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $186.2M | $38.2M | 20.53% | 30.97% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $14.5M | $7.3M | 50.02% | 5.88% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $2.8M | $4.2M | 150.00% | 3.43% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $65.5M | $64.2M | 97.96% | 52.03% | RC-R Part II, item 4.d, 5.d |
| All other assets | $5.4M | $4.9M | 91.01% | 4.00% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $4.2M | $4.2M | 100.00% | 3.39% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $400 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $123.4M | ties to item 31 ($123.4M) |
|---|---|---|
| Risk-weighted assets before deductions | $123.4M | RCONB704 |
| Less: excess allowance for credit losses | $595K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $122.8M | RCONG641, ties |
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 | Risk-based | 26.65% | 26.65% | 27.91% | 11.20% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 26.08% | 26.08% | 27.33% | 11.07% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 27.09% | 27.09% | 28.35% | 11.36% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 26.39% | 26.39% | 27.64% | 11.52% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 27.21% | 27.21% | 28.47% | 11.36% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 27.45% | 27.45% | 28.70% | 11.29% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 27.93% | 27.93% | 29.19% | 11.26% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 26.91% | 26.91% | 28.18% | 10.77% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 26.92% | 26.92% | 28.19% | 10.71% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 31.15% | 31.15% | 32.42% | 10.75% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 31.22% | 31.22% | 32.50% | 10.78% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 30.21% | 30.21% | 31.48% | 11.06% | 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 |
|---|---|---|---|---|---|---|
| St. Landry Bank and Trust Company (this bank) | Risk-based | 26.65% | 26.65% | 27.91% | 11.20% | |
| The Upstate National Bank | $294.8M | Risk-based | 15.33% | 15.34% | 16.53% | 10.19% |
| Coleman County State Bank | $295.1M | Risk-based | 12.90% | 12.90% | 13.89% | 8.56% |
| Arrowhead Bank | $295.3M | Risk-based | 22.31% | 22.31% | 23.49% | 11.89% |
| Crawford County Trust and Savings Bank | $294.5M | Risk-based | 14.38% | 14.38% | 15.50% | 9.93% |
| First Kansas Bank | $294.4M | Risk-based | 18.32% | 18.32% | 19.57% | 8.35% |
| The Commercial Bank | $295.5M | CBLR | NA | NA | NA | 10.60% |
| Partners Bank | $294.2M | CBLR | NA | NA | NA | 14.70% |
| The Kaw Valley State Bank and Trust Company, of Wamego, Kansas | $295.8M | CBLR | NA | NA | NA | 11.73% |
| McClain Bank | $294.0M | CBLR | NA | NA | NA | 9.52% |
| Peer 25th percentile | 14.38% | 14.38% | 15.50% | 9.52% | ||
| Peer median | 15.33% | 15.34% | 16.53% | 10.19% | ||
| Peer 75th percentile | 18.32% | 18.32% | 19.57% | 11.73% | ||
| This bank's percentile | 100 | 100 | 100 | 67 |
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/885430/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.