Taylor County 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 12.86% +3.86 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 | $31.9M | 31,905 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $248.1M | 248,115 | RCOAA224 |
| Recomputed ratio | 12.86% | numerator / denominator | |
| Filed ratio | 12.86% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +3.86 pp | $9.6M | 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 | 18,700 | 18,700 | 18,700 | 18,700 | 18,700 | 18,700 | RCOAP742 |
| Retained earnings | 13,205 | 13,380 | 12,199 | 12,693 | 10,930 | 11,279 | RCOAKW00 |
| Accumulated other comprehensive income | (6,525) | (6,593) | (6,221) | (6,704) | (7,352) | (7,701) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 25,380 | 25,487 | 24,678 | 24,689 | 22,278 | 22,278 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 6,525 | 6,593 | 6,221 | 6,704 | 7,352 | 7,701 | P859 - P840 |
| Common equity Tier 1 capital | 31,905 | 32,080 | 30,899 | 31,393 | 29,630 | 29,979 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 31,905 | 32,080 | 30,899 | 31,393 | 29,630 | 29,979 | 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 | 248,115 | 247,565 | 250,820 | 250,720 | 244,247 | 234,436 | 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 | 12.86% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 12.96% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 12.32% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 12.52% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 12.13% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 12.79% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 12.12% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 12.56% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 12.64% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 12.60% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 12.16% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 12.23% | 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 |
|---|---|---|---|---|---|---|
| Taylor County Bank (this bank) | CBLR | NA | NA | NA | 12.86% | |
| State Nebraska Bank &TRUST | $244.0M | Risk-based | 14.69% | 14.69% | 15.95% | 10.89% |
| Homeland Community Bank | $244.1M | Risk-based | 13.83% | 13.83% | 14.72% | 8.46% |
| The Turbotville National Bank | $243.5M | CBLR | NA | NA | NA | 16.49% |
| Capon Valley Bank | $244.2M | CBLR | NA | NA | NA | 9.67% |
| First Pioneer National Bank | $243.4M | CBLR | NA | NA | NA | 12.53% |
| Citizens Progressive Bank | $243.3M | CBLR | NA | NA | NA | 11.31% |
| Security Bank, S.B. | $244.5M | Risk-based | 18.26% | 18.26% | 19.14% | 10.09% |
| Bankchampaign, N.A. | $242.8M | Risk-based | 14.63% | 14.63% | 15.89% | 11.84% |
| First Farmers & Merchants National Bank | $242.6M | Risk-based | 14.32% | 14.32% | 15.31% | 11.62% |
| Peer 25th percentile | 14.32% | 14.32% | 15.31% | 10.09% | ||
| Peer median | 14.63% | 14.63% | 15.89% | 11.31% | ||
| Peer 75th percentile | 14.69% | 14.69% | 15.95% | 11.84% | ||
| This bank's percentile | NA | NA | NA | 89 |
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/831941/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.