Taylorsville Savings Bank, SSB: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.99% (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: 5.99% (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 12.95% +6.45 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 | $18.3M | 18,276 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $141.2M | 141,180 | RCOAA223 |
| Recomputed ratio | 12.95% | numerator / denominator | |
| Filed ratio | 12.95% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.45 pp | $9.1M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.95% +4.95 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 | $18.3M | 18,276 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $141.2M | 141,180 | RCOAA223 |
| Recomputed ratio | 12.95% | numerator / denominator | |
| Filed ratio | 12.95% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.95 pp | $7.0M | capital that could be lost first |
Total risk-based capital ratio 13.99% +3.99 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 | $19.8M | 19,755 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $141.2M | 141,180 | RCOAA223 |
| Recomputed ratio | 13.99% | numerator / denominator | |
| Filed ratio | 13.99% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.99 pp | $5.6M | capital that could be lost first |
Tier 1 leverage ratio 8.08% +3.08 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 | $18.3M | 18,276 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $226.3M | 226,252 | RCOAA224 |
| Recomputed ratio | 8.08% | numerator / denominator | |
| Filed ratio | 8.08% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.08 pp | $7.0M | 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 | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP742 |
| Retained earnings | 18,276 | 17,763 | 17,295 | 17,096 | 16,745 | 16,452 | RCOAKW00 |
| Accumulated other comprehensive income | (2,835) | (2,917) | (2,811) | (3,508) | (3,830) | (3,720) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 15,441 | 14,846 | 14,484 | 13,588 | 12,915 | 12,732 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,835 | 2,918 | 2,811 | 3,509 | 3,830 | 3,721 | P859 - P840 |
| Common equity Tier 1 capital | 18,276 | 17,764 | 17,295 | 17,097 | 16,745 | 16,453 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 18,276 | 17,764 | 17,295 | 17,097 | 16,745 | 16,453 | RCOA8274 |
| Tier 2 capital | 1,479 | 1,461 | 1,460 | 1,419 | 1,355 | 1,311 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,479 | 1,461 | 1,460 | 1,419 | 1,355 | 1,311 | RCOA5310 |
| Total capital | 19,755 | 19,225 | 18,755 | 18,516 | 18,100 | 17,764 | RCOA3792 |
| Total risk-weighted assets | 141,180 | 133,770 | 127,764 | 126,093 | 126,512 | 112,738 | RCOAA223 |
| Average total assets for the leverage ratio | 226,252 | 222,076 | 214,330 | 213,559 | 209,968 | 198,365 | 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 | $17.0M | $3.1M | 18.28% | 2.20% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $22.6M | $5.0M | 22.22% | 3.55% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $6.2M | $1.2M | 20.00% | 0.88% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $139.7M | $71.8M | 51.37% | 50.84% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $40.9M | $40.0M | 97.93% | 28.36% | RC-R Part II, item 4.d, 5.d |
| All other assets | $9.7M | $9.5M | 98.16% | 6.76% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $17.0M | $10.4M | 61.44% | 7.40% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $900 | 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 | $141.2M | ties to item 31 ($141.2M) |
|---|---|---|
| Risk-weighted assets before deductions | $141.2M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $141.2M | 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 | 12.95% | 12.95% | 13.99% | 8.08% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 13.28% | 13.28% | 14.37% | 8.00% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 13.54% | 13.54% | 14.68% | 8.07% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 13.56% | 13.56% | 14.68% | 8.01% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 13.24% | 13.24% | 14.31% | 7.97% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 14.59% | 14.59% | 15.76% | 8.29% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 14.32% | 14.32% | 15.47% | 8.93% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 14.37% | 14.37% | 15.55% | 9.22% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 14.54% | 14.54% | 15.80% | 9.30% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 14.82% | 14.82% | 16.03% | 9.52% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 14.64% | 14.64% | 15.86% | 9.64% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 15.52% | 15.52% | 16.76% | 9.91% | 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 |
|---|---|---|---|---|---|---|
| Taylorsville Savings Bank, SSB (this bank) | Risk-based | 12.95% | 12.95% | 13.99% | 8.08% | |
| First State Bank | $232.5M | Risk-based | 13.49% | 13.49% | 14.53% | 11.76% |
| Security State Bank of Marine | $232.5M | Risk-based | 15.08% | 15.08% | 16.34% | 10.87% |
| West Central Bank | $232.2M | CBLR | NA | NA | NA | 11.95% |
| Farmers State Bank | $232.6M | Risk-based | 18.20% | 18.20% | 19.45% | 12.63% |
| Andover State Bank | $232.2M | Risk-based | 10.30% | 10.55% | 11.80% | 8.95% |
| Farmers State Bank of Hoffman | $232.1M | CBLR | NA | NA | NA | 11.95% |
| Peoples Bank of the South | $232.0M | Risk-based | 16.49% | 16.49% | 17.64% | 12.43% |
| Cornerstone Bank | $232.8M | CBLR | NA | NA | NA | 10.86% |
| Farmers and Merchants State Bank, Bloomfield, Nebraska | $232.9M | Risk-based | 17.01% | 17.01% | 18.26% | 9.45% |
| St. Clair County State Bank | $231.8M | CBLR | NA | NA | NA | 13.51% |
| Peer 25th percentile | 13.89% | 13.89% | 14.98% | 10.86% | ||
| Peer median | 15.78% | 15.78% | 16.99% | 11.85% | ||
| Peer 75th percentile | 16.88% | 16.88% | 18.11% | 12.31% | ||
| This bank's percentile | 17 | 17 | 17 | 0 |
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/258379/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.