State Bank of De Kalb: 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 12.17% +3.17 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 | $61.9M | 61,873 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $508.5M | 508,541 | RCOAA224 |
| Recomputed ratio | 12.17% | numerator / denominator | |
| Filed ratio | 12.17% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +3.17 pp | $16.1M | 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 | 16,896 | 16,896 | 16,284 | 16,284 | 16,284 | 16,284 | RCOAP742 |
| Retained earnings | 45,453 | 43,768 | 42,436 | 40,686 | 39,160 | 37,650 | RCOAKW00 |
| Accumulated other comprehensive income | (68) | (60) | (91) | (112) | (121) | (159) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 62,281 | 60,604 | 58,629 | 56,858 | 55,323 | 53,775 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (408) | (432) | (417) | (412) | (419) | (397) | P859 - P840 |
| Common equity Tier 1 capital | 61,873 | 60,172 | 58,212 | 56,446 | 54,904 | 53,378 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 61,873 | 60,172 | 58,212 | 56,446 | 54,904 | 53,378 | 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 | 508,541 | 504,730 | 488,583 | 477,534 | 469,888 | 458,110 | 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 | 12.17% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 11.92% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 11.91% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 11.82% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 11.68% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 11.65% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 11.55% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 11.44% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 11.07% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 10.79% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.89% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.80% | 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 |
|---|---|---|---|---|---|---|
| State Bank of De Kalb (this bank) | CBLR | NA | NA | NA | 12.17% | |
| The Savings Bank | $520.1M | Risk-based | 14.94% | 14.94% | 15.97% | 9.42% |
| New Omni Bank, N.A. | $517.9M | Risk-based | 30.40% | 43.31% | 44.57% | 27.11% |
| Iowa Trust & Savings Bank | $522.0M | CBLR | NA | NA | NA | 10.82% |
| The Brenham National Bank | $517.7M | Risk-based | 17.11% | 17.11% | 18.10% | 11.76% |
| Denali State Bank | $522.6M | Risk-based | 14.77% | 14.77% | 16.03% | 11.65% |
| Armor Bank | $516.9M | CBLR | NA | NA | NA | 9.40% |
| Central Savings Bank | $516.8M | Risk-based | 14.54% | 14.54% | 15.76% | 9.54% |
| Chino Commercial Bank, N.A. | $516.7M | CBLR | NA | NA | NA | 12.51% |
| Connections Bank | $516.6M | CBLR | NA | NA | NA | 9.80% |
| Peer 25th percentile | 14.77% | 14.77% | 15.97% | 9.54% | ||
| Peer median | 14.94% | 14.94% | 16.03% | 10.82% | ||
| Peer 75th percentile | 17.11% | 17.11% | 18.10% | 11.76% | ||
| This bank's percentile | NA | NA | NA | 78 |
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/621357/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.