The First National Bank of Bellville: Regulatory Capital and Risk-Weighted Assets
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As of 2Q25, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q25
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 12.14% +3.14 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 | $99.4M | 99,417 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $818.7M | 818,671 | RCOAA224 |
| Recomputed ratio | 12.14% | numerator / denominator | |
| Filed ratio | 12.14% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +3.14 pp | $25.7M | 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 | 2Q25 | 1Q25 | Source |
|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 36,753 | 36,753 | RCOAP742 |
| Retained earnings | 62,664 | 61,389 | RCOAKW00 |
| Accumulated other comprehensive income | (134,596) | (128,700) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | (35,179) | (30,558) | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 134,596 | 128,700 | P859 - P840 |
| Common equity Tier 1 capital | 99,417 | 98,142 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | RCOAP865 |
| Tier 1 capital | 99,417 | 98,142 | RCOA8274 |
| Tier 2 capital | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | |
| Total capital | NA | NA | |
| Average total assets for the leverage ratio | 818,671 | 852,438 | 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 |
|---|---|---|---|---|---|---|---|---|---|
| 2Q25 | CBLR | NA | NA | NA | 12.14% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 11.51% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 11.04% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 10.95% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 10.69% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 10.65% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 11.06% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 24.40% | 24.40% | 25.39% | 10.75% | 14.65% | 14.67% | 15.79% | 10.60% |
| 2Q23 | Risk-based | 24.18% | 24.18% | 25.16% | 11.07% | 14.63% | 14.65% | 15.76% | 10.48% |
| 1Q23 | Risk-based | 24.73% | 24.73% | 25.75% | 11.09% | 14.66% | 14.70% | 15.78% | 10.37% |
| 4Q22 | Risk-based | 24.74% | 24.74% | 25.75% | 11.15% | 14.44% | 14.49% | 15.55% | 10.28% |
| 3Q22 | Risk-based | 23.89% | 23.89% | 24.90% | 10.88% | 14.66% | 14.67% | 15.73% | 10.18% |
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, 2Q25
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| The First National Bank of Bellville (this bank) | CBLR | NA | NA | NA | 12.14% | |
| Woodsville Guaranty Savings Bank | $669.2M | Risk-based | 15.88% | 15.88% | 16.95% | 8.54% |
| TXN Bank | $669.2M | Risk-based | 15.30% | 15.30% | 16.55% | 9.64% |
| Citizens Bank of Kentucky, Inc | $669.9M | Risk-based | 23.40% | 23.40% | 24.65% | 12.81% |
| The Bank of Southside Virginia | $670.3M | CBLR | NA | NA | NA | 20.80% |
| First State Bank of Blakely | $668.2M | CBLR | NA | NA | NA | 18.04% |
| Pennian Bank | $667.9M | Risk-based | 15.03% | 15.03% | 16.28% | 8.88% |
| Community State Bank | $667.5M | CBLR | NA | NA | NA | 9.81% |
| Bank of Odessa | $667.1M | Risk-based | 23.40% | 23.40% | 24.66% | 13.29% |
| Concordia Bank & Trust Company | $667.0M | CBLR | NA | NA | NA | 11.18% |
| Community First Bank | $672.0M | Risk-based | 15.67% | 15.67% | 16.69% | 9.58% |
| Peer 25th percentile | 15.39% | 15.39% | 16.59% | 9.59% | ||
| Peer median | 15.77% | 15.77% | 16.82% | 10.49% | ||
| Peer 75th percentile | 21.52% | 21.52% | 22.72% | 13.17% | ||
| This bank's percentile | NA | NA | NA | 60 |
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/91754/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.