Trustbank: 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 9.81% +0.81 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 | $62.2M | 62,247 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $634.2M | 634,244 | RCOAA224 |
| Recomputed ratio | 9.81% | numerator / denominator | |
| Filed ratio | 9.81% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.81 pp | $5.2M | 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 | 26,951 | 26,951 | 26,951 | 26,950 | 26,894 | 26,894 | RCOAP742 |
| Retained earnings | 37,829 | 35,462 | 34,319 | 33,875 | 32,113 | 30,778 | RCOAKW00 |
| Accumulated other comprehensive income | (471) | (379) | 217 | (273) | (501) | (849) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 64,309 | 62,034 | 61,487 | 60,552 | 58,506 | 56,823 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (2,062) | (2,165) | (2,777) | (2,304) | (2,094) | (1,769) | P859 - P840 |
| Common equity Tier 1 capital | 62,247 | 59,869 | 58,710 | 58,248 | 56,412 | 55,054 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 62,247 | 59,869 | 58,710 | 58,248 | 56,412 | 55,054 | 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 | 634,244 | 628,093 | 626,149 | 604,766 | 596,920 | 593,545 | 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 | 9.81% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.53% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 9.38% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 9.63% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 9.45% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 9.28% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 9.23% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 9.44% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 9.34% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 9.29% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 9.33% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 9.46% | 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 |
|---|---|---|---|---|---|---|
| Trustbank (this bank) | CBLR | NA | NA | NA | 9.81% | |
| Woodlands Bank | $640.3M | Risk-based | 11.73% | 11.73% | 12.83% | 8.86% |
| The State National Bank of Big Spring | $640.0M | CBLR | NA | NA | NA | 11.19% |
| Spring Bank | $641.0M | CBLR | NA | NA | NA | 14.59% |
| First Bank of Owasso | $639.3M | Risk-based | 18.22% | 18.22% | 19.47% | 15.67% |
| Bank & Trust Company | $641.3M | Risk-based | 16.19% | 16.19% | 17.44% | 11.27% |
| Verimore Bank | $639.1M | Risk-based | 13.35% | 13.35% | 14.55% | 10.62% |
| Greenville National Bank | $641.5M | CBLR | NA | NA | NA | 13.02% |
| Tri-County Bank | $638.6M | CBLR | NA | NA | NA | 13.56% |
| Peer 25th percentile | 12.94% | 12.94% | 14.12% | 11.05% | ||
| Peer median | 14.77% | 14.77% | 16.00% | 12.14% | ||
| Peer 75th percentile | 16.69% | 16.69% | 17.95% | 13.81% | ||
| This bank's percentile | NA | NA | NA | 12 |
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/338646/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.