Thumb Bank & Trust: 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 9.44% +0.44 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 | $63.6M | 63,565 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $673.1M | 673,122 | RCOAA224 |
| Recomputed ratio | 9.44% | numerator / denominator | |
| Filed ratio | 9.44% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.44 pp | $3.0M | 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 | 67,978 | 67,978 | 67,978 | 67,978 | 67,978 | 67,978 | RCOAP742 |
| Retained earnings | 7,324 | 6,489 | 7,114 | 5,673 | 4,533 | 3,562 | RCOAKW00 |
| Accumulated other comprehensive income | (11,140) | (10,217) | (9,720) | (9,896) | (12,028) | (11,596) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 64,162 | 64,250 | 65,372 | 63,755 | 60,483 | 59,944 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (597) | (1,761) | (2,500) | (2,622) | (787) | (1,517) | P859 - P840 |
| Common equity Tier 1 capital | 63,565 | 62,489 | 62,872 | 61,133 | 59,696 | 58,427 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 63,565 | 62,489 | 62,872 | 61,133 | 59,696 | 58,427 | RCOA8274 |
| Tier 2 capital | NA | 4,320 | 3,993 | 3,943 | 3,942 | 3,868 | |
| Allowance includable in Tier 2 capital | NA | 4,320 | 3,993 | 3,943 | 3,942 | 3,868 | |
| Total capital | NA | 66,809 | 66,865 | 65,076 | 63,638 | 62,295 | |
| Total risk-weighted assets | NA | 453,895 | 453,614 | 434,309 | 430,386 | 421,959 | |
| Average total assets for the leverage ratio | 673,122 | 680,960 | 659,994 | 650,497 | 642,755 | 633,836 | 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 | 9.44% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 13.77% | 13.77% | 14.72% | 9.18% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 13.86% | 13.86% | 14.74% | 9.53% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 14.08% | 14.08% | 14.98% | 9.40% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 13.87% | 13.87% | 14.79% | 9.29% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 13.85% | 13.85% | 14.76% | 9.22% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 13.47% | 13.47% | 14.33% | 8.73% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 14.37% | 14.37% | 15.29% | 9.41% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 14.43% | 14.43% | 15.37% | 9.21% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 14.27% | 14.27% | 15.14% | 8.97% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 13.60% | 13.60% | 14.38% | 9.12% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 12.89% | 12.89% | 13.67% | 8.88% | 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 |
|---|---|---|---|---|---|---|
| Thumb Bank & Trust (this bank) | CBLR | NA | NA | NA | 9.44% | |
| New Tripoli Bank | $674.0M | CBLR | NA | NA | NA | 10.63% |
| First State Bank | $674.3M | CBLR | NA | NA | NA | 12.40% |
| PS Bank | $674.5M | CBLR | NA | NA | NA | 11.25% |
| Apple River State Bank | $675.2M | Risk-based | 14.75% | 14.75% | 15.64% | 9.74% |
| Springs Valley Bank & Trust Company | $675.3M | Risk-based | 14.17% | 14.17% | 15.45% | 12.50% |
| The Bank of Southside Virginia | $670.3M | CBLR | NA | NA | NA | 23.38% |
| The Hardin County Bank | $676.7M | CBLR | NA | NA | NA | 10.84% |
| Citizens Bank of Kentucky, Inc | $669.9M | Risk-based | 23.49% | 23.49% | 24.74% | 13.51% |
| The Stephenson National Bank and Trust | $676.8M | CBLR | NA | NA | NA | 10.07% |
| Peer 25th percentile | 14.46% | 14.46% | 15.54% | 10.63% | ||
| Peer median | 14.75% | 14.75% | 15.64% | 11.25% | ||
| Peer 75th percentile | 19.12% | 19.12% | 20.19% | 12.50% | ||
| This bank's percentile | NA | NA | NA | 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/698649/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.