Trubank: 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 9.23% +0.23 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 | $45.5M | 45,503 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $493.1M | 493,081 | RCOAA224 |
| Recomputed ratio | 9.23% | numerator / denominator | |
| Filed ratio | 9.23% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.23 pp | $1.1M | 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 | 21,084 | 21,084 | 21,084 | 21,084 | 21,084 | 21,084 | RCOAP742 |
| Retained earnings | 26,893 | 26,443 | 25,385 | 26,153 | 24,662 | 23,120 | RCOAKW00 |
| Accumulated other comprehensive income | (1,548) | (1,853) | (1,313) | (1,867) | (2,575) | (3,398) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 46,429 | 45,674 | 45,156 | 45,370 | 43,171 | 40,806 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (926) | (644) | (1,207) | (676) | 9 | 809 | P859 - P840 |
| Common equity Tier 1 capital | 45,503 | 45,030 | 43,949 | 44,694 | 43,180 | 41,615 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 45,503 | 45,030 | 43,949 | 44,694 | 43,180 | 41,615 | 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 | 493,081 | 483,402 | 483,103 | 468,612 | 463,207 | 446,358 | 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 | 9.23% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.32% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 9.10% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 9.54% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 9.32% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 9.32% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 9.58% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 9.98% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 9.70% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 9.49% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 9.31% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 9.60% | 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 |
|---|---|---|---|---|---|---|
| Trubank (this bank) | CBLR | NA | NA | NA | 9.23% | |
| River City Bank, Inc. | $494.9M | Risk-based | 14.81% | 14.81% | 15.51% | 11.72% |
| Dean Co-Operative Bank | $494.3M | Risk-based | 13.42% | 13.42% | 14.44% | 8.26% |
| Century Bank and Trust | $494.0M | Risk-based | 22.77% | 22.77% | 24.00% | 14.59% |
| Jewett City Savings Bank | $493.9M | Risk-based | 17.46% | 17.46% | 18.47% | 14.41% |
| People's Bank of Seneca | $495.5M | CBLR | NA | NA | NA | 10.08% |
| American Commerce Bank, N.A. | $495.7M | Risk-based | 20.90% | 20.90% | 22.16% | 17.09% |
| The First State Bank | $493.2M | CBLR | NA | NA | NA | 13.05% |
| Casey State Bank | $496.7M | CBLR | NA | NA | NA | 10.99% |
| Security State Bank | $492.3M | CBLR | NA | NA | NA | 11.12% |
| Fulton Savings Bank | $492.3M | Risk-based | 41.32% | 41.32% | 41.71% | 31.44% |
| Peer 25th percentile | 15.47% | 15.47% | 16.25% | 11.03% | ||
| Peer median | 19.18% | 19.18% | 20.31% | 12.39% | ||
| Peer 75th percentile | 22.30% | 22.30% | 23.54% | 14.54% | ||
| This bank's percentile | NA | NA | NA | 10 |
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/862141/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.