State Bank of Reeseville: 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 9.58% +0.58 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 | $16.4M | 16,372 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $170.9M | 170,891 | RCOAA224 |
| Recomputed ratio | 9.58% | numerator / denominator | |
| Filed ratio | 9.58% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.58 pp | $992K | 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 | 13,344 | 13,086 | 12,690 | 12,427 | 11,699 | 11,552 | RCOAKW00 |
| Accumulated other comprehensive income | (3,042) | (4,103) | (3,236) | (3,952) | (5,552) | (3,450) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 13,302 | 11,983 | 12,454 | 11,475 | 9,147 | 11,102 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,070 | 4,132 | 3,259 | 3,953 | 5,488 | 3,381 | P859 - P840 |
| Common equity Tier 1 capital | 16,372 | 16,115 | 15,713 | 15,428 | 14,635 | 14,483 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 16,372 | 16,115 | 15,713 | 15,428 | 14,635 | 14,483 | 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 | 170,891 | 172,258 | 172,636 | 166,604 | 149,913 | 152,834 | 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 | 9.58% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.36% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 9.10% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 9.26% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 9.76% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 9.48% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 9.50% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 9.66% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 9.94% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 9.79% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.46% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.61% | 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 Reeseville (this bank) | CBLR | NA | NA | NA | 9.58% | |
| Valley State Bank | $169.5M | CBLR | NA | NA | NA | 17.80% |
| Templeton Savings Bank | $169.6M | CBLR | NA | NA | NA | 14.50% |
| Millville Savings Bank | $169.9M | Risk-based | 26.41% | 26.41% | 27.66% | 13.63% |
| American Bank of Baxter Springs | $170.2M | CBLR | NA | NA | NA | 9.98% |
| Union State Bank | $168.7M | CBLR | NA | NA | NA | 9.28% |
| Peoples Bank & Trust Company | $168.6M | CBLR | NA | NA | NA | 14.70% |
| Farmers and Merchants Bank | $170.7M | CBLR | NA | NA | NA | 16.16% |
| Equitable Savings and Loan Association | $168.3M | Risk-based | 29.05% | 29.05% | 29.42% | 15.69% |
| Peer 25th percentile | 27.07% | 27.07% | 28.10% | 12.72% | ||
| Peer median | 27.73% | 27.73% | 28.54% | 14.60% | ||
| Peer 75th percentile | 28.39% | 28.39% | 28.98% | 15.81% | ||
| This bank's percentile | NA | NA | NA | 12 |
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/159645/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.