The State Bank of Geneva: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 10.73% (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: 10.73% (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 17.47% +10.97 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 | $14.3M | 14,321 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $82.0M | 81,987 | RCOAA223 |
| Recomputed ratio | 17.47% | numerator / denominator | |
| Filed ratio | 17.47% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +10.97 pp | $9.0M | capital that could be lost first |
Tier 1 risk-based capital ratio 17.47% +9.47 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 | $14.3M | 14,321 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $82.0M | 81,987 | RCOAA223 |
| Recomputed ratio | 17.47% | numerator / denominator | |
| Filed ratio | 17.47% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +9.47 pp | $7.8M | capital that could be lost first |
Total risk-based capital ratio 18.73% +8.73 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 | $15.4M | 15,353 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $82.0M | 81,987 | RCOAA223 |
| Recomputed ratio | 18.73% | numerator / denominator | |
| Filed ratio | 18.73% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +8.73 pp | $7.2M | capital that could be lost first |
Tier 1 leverage ratio 11.81% +6.81 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 | $14.3M | 14,321 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $121.3M | 121,282 | RCOAA224 |
| Recomputed ratio | 11.81% | numerator / denominator | |
| Filed ratio | 11.81% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.81 pp | $8.3M | 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 | 3,000 | 3,000 | 3,000 | 3,000 | 3,000 | 3,000 | RCOAP742 |
| Retained earnings | 11,321 | 11,238 | 11,116 | 11,076 | 10,930 | 10,790 | RCOAKW00 |
| Accumulated other comprehensive income | (1,433) | (1,419) | (1,428) | (1,575) | (1,784) | (2,001) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 12,888 | 12,819 | 12,688 | 12,501 | 12,146 | 11,789 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,433 | 1,419 | 1,428 | 1,575 | 1,784 | 2,001 | P859 - P840 |
| Common equity Tier 1 capital | 14,321 | 14,238 | 14,116 | 14,076 | 13,930 | 13,790 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 14,321 | 14,238 | 14,116 | 14,076 | 13,930 | 13,790 | RCOA8274 |
| Tier 2 capital | 1,032 | 1,034 | 999 | 957 | 928 | 910 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,032 | 1,034 | 999 | 957 | 928 | 910 | RCOA5310 |
| Total capital | 15,353 | 15,272 | 15,115 | 15,033 | 14,858 | 14,700 | RCOA3792 |
| Total risk-weighted assets | 81,987 | 82,167 | 79,292 | 75,884 | 73,798 | 72,359 | RCOAA223 |
| Average total assets for the leverage ratio | 121,282 | 122,795 | 123,432 | 120,939 | 120,846 | 112,443 | 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 | $12.9M | $62K | 0.48% | 0.08% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $21.4M | $3.6M | 16.73% | 4.33% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $24.1M | $12.1M | 50.20% | 14.65% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $56.8M | $56.8M | 100.00% | 68.82% | RC-R Part II, item 4.d, 5.d |
| All other assets | $4.0M | $3.5M | 88.79% | 4.27% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $6.5M | $6.5M | 100.00% | 7.86% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $500 | 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 | $82.6M | ties to item 31 ($82.6M) |
|---|---|---|
| Risk-weighted assets before deductions | $82.6M | RCONB704 |
| Less: excess allowance for credit losses | $579K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $82.0M | 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 | 17.47% | 17.47% | 18.73% | 11.81% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 17.33% | 17.33% | 18.59% | 11.59% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 17.80% | 17.80% | 19.06% | 11.44% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 18.55% | 18.55% | 19.81% | 11.64% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 18.88% | 18.88% | 20.13% | 11.53% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 19.06% | 19.06% | 20.32% | 12.26% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 19.12% | 19.12% | 20.37% | 12.10% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 19.79% | 19.79% | 21.05% | 12.57% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 19.60% | 19.60% | 20.86% | 12.50% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 19.74% | 19.74% | 21.00% | 12.30% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 19.64% | 19.64% | 20.90% | 12.07% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 19.96% | 19.96% | 21.21% | 11.88% | 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 |
|---|---|---|---|---|---|---|
| The State Bank of Geneva (this bank) | Risk-based | 17.47% | 17.47% | 18.73% | 11.81% | |
| Portage Bank | $116.2M | Risk-based | 10.96% | 10.96% | 12.21% | 7.49% |
| Wahoo State Bank | $116.5M | CBLR | NA | NA | NA | 9.03% |
| Peoples Bank of Graceville | $115.8M | Risk-based | 30.21% | 30.21% | 31.22% | 10.29% |
| First Community Bank | $115.7M | Risk-based | 12.86% | 12.86% | 14.06% | 9.40% |
| The Farmers State Bank of Brush | $116.6M | CBLR | NA | NA | NA | 20.13% |
| Bank of New Madrid | $116.6M | CBLR | NA | NA | NA | 14.11% |
| Neighbors Bank | $115.6M | CBLR | NA | NA | NA | 11.06% |
| Bank of Brookfield-Purdin N.A. | $116.7M | Risk-based | 39.77% | 39.77% | 40.90% | 11.14% |
| Peoples Bank of Greensboro | $115.5M | Risk-based | 17.19% | 17.19% | 18.20% | 8.91% |
| The Baldwin State Bank | $115.5M | CBLR | NA | NA | NA | 10.14% |
| Peer 25th percentile | 12.86% | 12.86% | 14.06% | 9.12% | ||
| Peer median | 17.19% | 17.19% | 18.20% | 10.22% | ||
| Peer 75th percentile | 30.21% | 30.21% | 31.22% | 11.12% | ||
| This bank's percentile | 60 | 60 | 60 | 80 |
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/991135/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.