State Central 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 16.11% +7.11 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 | $9.9M | 9,940 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $61.7M | 61,717 | RCOAA224 |
| Recomputed ratio | 16.11% | numerator / denominator | |
| Filed ratio | 16.11% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +7.11 pp | $4.4M | 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 | 14,571 | 14,571 | 14,571 | 14,571 | 14,571 | 14,571 | RCOAP742 |
| Retained earnings | (3,949) | (4,191) | (4,434) | (4,559) | (5,645) | (5,961) | RCOAKW00 |
| Accumulated other comprehensive income | 46 | 56 | 246 | 253 | 5 | (168) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 10,668 | 10,436 | 10,383 | 10,265 | 8,931 | 8,442 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (728) | (738) | (928) | (935) | (687) | (514) | P859 - P840 |
| Common equity Tier 1 capital | 9,940 | 9,698 | 9,455 | 9,330 | 8,244 | 7,928 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 9,940 | 9,698 | 9,455 | 9,330 | 8,244 | 7,928 | 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 | 61,717 | 60,229 | 60,842 | 56,249 | 57,363 | 56,835 | 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 | 16.11% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | CBLR | NA | NA | NA | 16.10% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | CBLR | NA | NA | NA | 15.54% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | CBLR | NA | NA | NA | 16.59% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | CBLR | NA | NA | NA | 14.37% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | CBLR | NA | NA | NA | 13.95% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | CBLR | NA | NA | NA | 15.21% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | CBLR | NA | NA | NA | 11.92% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | CBLR | NA | NA | NA | 10.87% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | CBLR | NA | NA | NA | 11.26% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | CBLR | NA | NA | NA | 11.08% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | CBLR | NA | NA | NA | 10.95% | 20.70% | 20.70% | 21.86% | 12.73% |
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 Central Bank (this bank) | CBLR | NA | NA | NA | 16.11% | |
| Montrose Savings Bank | $63.2M | CBLR | NA | NA | NA | 14.53% |
| North County Savings Bank | $63.2M | Risk-based | 21.38% | 21.38% | 21.90% | 8.45% |
| First Bank of Thomas | $63.2M | Risk-based | 28.64% | 28.64% | 29.90% | 12.63% |
| First Western Federal Savings Bank | $63.5M | CBLR | NA | NA | NA | 18.08% |
| Community Bank of Memphis | $63.7M | CBLR | NA | NA | NA | 12.39% |
| Kress National Bank | $63.7M | Risk-based | 29.71% | 29.71% | 30.96% | 9.64% |
| Western Alliance Trust Company, N.A. | $64.0M | CBLR | NA | NA | NA | 94.88% |
| America's Community Bank | $64.1M | CBLR | NA | NA | NA | 8.69% |
| Peer 25th percentile | 25.01% | 25.01% | 25.90% | 9.40% | ||
| Peer median | 28.64% | 28.64% | 29.90% | 12.51% | ||
| Peer 75th percentile | 29.17% | 29.17% | 30.43% | 15.42% | ||
| This bank's percentile | NA | NA | NA | 75 |
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/808345/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.