The Stock Exchange Bank: Regulatory Capital and Risk-Weighted Assets
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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 18.02% +9.02 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 | $56.6M | 56,574 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $313.9M | 313,893 | RCOAA224 |
| Recomputed ratio | 18.02% | numerator / denominator | |
| Filed ratio | 18.02% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +9.02 pp | $28.3M | 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 | 2,000 | 2,000 | 2,000 | 2,000 | 2,000 | 2,000 | RCOAP742 |
| Retained earnings | 54,574 | 53,643 | 52,225 | 52,662 | 51,810 | 51,089 | RCOAKW00 |
| Accumulated other comprehensive income | (2,142) | (1,902) | (1,791) | (2,074) | (3,036) | (3,395) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 54,432 | 53,741 | 52,434 | 52,588 | 50,774 | 49,694 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,142 | 1,902 | 1,791 | 2,074 | 3,036 | 3,395 | P859 - P840 |
| Common equity Tier 1 capital | 56,574 | 55,643 | 54,225 | 54,662 | 53,810 | 53,089 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 56,574 | 55,643 | 54,225 | 54,662 | 53,810 | 53,089 | 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 | 313,893 | 304,748 | 292,843 | 299,340 | 307,111 | 303,183 | 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 | 18.02% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 18.26% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 18.52% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 18.26% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 17.52% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 17.51% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 17.77% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 17.82% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 17.20% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 16.70% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 17.15% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 16.71% | 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 Stock Exchange Bank (this bank) | CBLR | NA | NA | NA | 18.02% | |
| First National Bank of South Carolina | $309.7M | Risk-based | 24.80% | 24.80% | 26.01% | 12.42% |
| The First National Bank of Bellevue | $309.7M | CBLR | NA | NA | NA | 9.39% |
| Citizens Bank | $309.8M | CBLR | NA | NA | NA | 10.07% |
| Security Bank | $309.9M | Risk-based | 15.81% | 15.81% | 16.79% | 13.28% |
| The Pecos County State Bank | $309.4M | CBLR | NA | NA | NA | 11.57% |
| Washington State Bank | $309.2M | Risk-based | 14.96% | 14.96% | 15.91% | 10.81% |
| Riverbank | $310.2M | CBLR | NA | NA | NA | 11.34% |
| The Bankers Bank | $310.5M | Risk-based | 14.08% | 14.08% | 15.33% | 12.70% |
| First State Bank | $308.8M | Risk-based | 17.14% | 17.14% | 18.08% | 10.08% |
| Farmers & Merchants Bank | $308.7M | Risk-based | 17.02% | 17.02% | 17.87% | 12.73% |
| Peer 25th percentile | 15.17% | 15.17% | 16.13% | 10.26% | ||
| Peer median | 16.42% | 16.42% | 17.33% | 11.45% | ||
| Peer 75th percentile | 17.11% | 17.11% | 18.03% | 12.63% | ||
| This bank's percentile | NA | NA | NA | 100 |
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/958558/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.