The State Savings Bank of Manistique: 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 9.64% +0.64 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 | $17.3M | 17,312 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $179.6M | 179,596 | RCOAA224 |
| Recomputed ratio | 9.64% | numerator / denominator | |
| Filed ratio | 9.64% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.64 pp | $1.1M | 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 | 10,000 | 10,000 | 10,000 | 10,000 | 10,000 | 10,000 | RCOAP742 |
| Retained earnings | 7,312 | 7,074 | 6,932 | 7,079 | 6,933 | 6,736 | RCOAKW00 |
| Accumulated other comprehensive income | (2,947) | (3,207) | (2,941) | (3,469) | (4,046) | (4,570) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 14,365 | 13,867 | 13,991 | 13,610 | 12,887 | 12,166 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,947 | 3,207 | 2,941 | 3,469 | 4,046 | 4,570 | P859 - P840 |
| Common equity Tier 1 capital | 17,312 | 17,074 | 16,932 | 17,079 | 16,933 | 16,736 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 17,312 | 17,074 | 16,932 | 17,079 | 16,933 | 16,736 | 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 | 179,596 | 180,563 | 168,836 | 167,487 | 165,560 | 165,650 | 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 | 9.64% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.46% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.03% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 10.20% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 10.23% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 10.10% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 10.19% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 10.31% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 10.27% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 10.50% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.57% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.54% | 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 Savings Bank of Manistique (this bank) | CBLR | NA | NA | NA | 9.64% | |
| Bank of Clarkson | $178.2M | Risk-based | 19.02% | 19.02% | 19.55% | 12.45% |
| United Trust Bank | $178.2M | Risk-based | 17.64% | 17.64% | 18.65% | 10.03% |
| The First National Bank of Le Center | $178.2M | CBLR | NA | NA | NA | 9.50% |
| North Alabama Bank | $178.6M | CBLR | NA | NA | NA | 11.73% |
| South Lafourche Bank & Trust Company | $177.5M | CBLR | NA | NA | NA | 11.73% |
| Putnam 1st Mercantile Bank | $178.9M | CBLR | NA | NA | NA | 11.72% |
| Woodland Bank | $177.5M | Risk-based | 10.64% | 10.64% | 11.60% | 8.59% |
| Hatch Bank | $177.5M | Risk-based | 31.63% | 31.63% | 31.73% | 21.49% |
| Eagle Bank | $179.5M | CBLR | NA | NA | NA | 13.03% |
| The Farmers State Bank of Aliceville, Kansas | $179.6M | CBLR | NA | NA | NA | 19.24% |
| Peer 25th percentile | 15.89% | 15.89% | 16.89% | 10.45% | ||
| Peer median | 18.33% | 18.33% | 19.10% | 11.73% | ||
| Peer 75th percentile | 22.18% | 22.18% | 22.60% | 12.88% | ||
| This bank's percentile | NA | NA | NA | 20 |
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/259956/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.