The Watkins Savings Bank: 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 14.80% +5.80 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 | $13.4M | 13,351 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $90.2M | 90,207 | RCOAA224 |
| Recomputed ratio | 14.80% | numerator / denominator | |
| Filed ratio | 14.80% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +5.80 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 | 1,260 | 1,260 | 1,260 | 1,260 | 1,260 | 1,260 | RCOAP742 |
| Retained earnings | 12,091 | 11,981 | 11,872 | 12,063 | 11,983 | 11,925 | RCOAKW00 |
| Accumulated other comprehensive income | (1,972) | (1,924) | (2,030) | (2,116) | (2,716) | (2,854) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 11,379 | 11,317 | 11,102 | 11,207 | 10,527 | 10,331 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,972 | 1,924 | 2,030 | 2,116 | 2,716 | 2,854 | P859 - P840 |
| Common equity Tier 1 capital | 13,351 | 13,241 | 13,132 | 13,323 | 13,243 | 13,185 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 13,351 | 13,241 | 13,132 | 13,323 | 13,243 | 13,185 | 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 | 90,207 | 87,822 | 87,390 | 85,737 | 85,263 | 84,621 | 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 | 14.80% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | CBLR | NA | NA | NA | 15.08% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | CBLR | NA | NA | NA | 15.03% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | CBLR | NA | NA | NA | 15.54% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | CBLR | NA | NA | NA | 15.53% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | CBLR | NA | NA | NA | 15.58% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | CBLR | NA | NA | NA | 16.37% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | CBLR | NA | NA | NA | 16.56% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | CBLR | NA | NA | NA | 16.72% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | CBLR | NA | NA | NA | 16.35% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | CBLR | NA | NA | NA | 16.67% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | CBLR | NA | NA | NA | 16.60% | 20.70% | 20.70% | 21.86% | 12.73% |
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 Watkins Savings Bank (this bank) | CBLR | NA | NA | NA | 14.80% | |
| Root River State Bank | $86.8M | Risk-based | 19.54% | 19.54% | 20.11% | 9.73% |
| Raymond James Trust, N.A. | $86.6M | Risk-based | 215.65% | 215.65% | 215.65% | 84.26% |
| First State Bank of Randolph County | $86.9M | Risk-based | 15.14% | 15.14% | 15.77% | 8.30% |
| Paramount Bank | $86.6M | Risk-based | 15.71% | 15.71% | 16.78% | 10.88% |
| Tustin Community Bank | $86.5M | CBLR | NA | NA | NA | 15.46% |
| Angelina Savings Bank, SSB | $86.9M | Risk-based | 26.61% | 26.61% | 27.87% | 11.44% |
| Scribner Bank | $86.9M | CBLR | NA | NA | NA | 16.56% |
| Farmers and Merchants State Bank of Bushnell | $86.5M | Risk-based | 23.72% | 23.72% | 24.51% | 10.49% |
| North Cambridge Co-Operative Bank | $87.1M | Risk-based | 64.52% | 64.52% | 65.77% | 29.10% |
| The First State Bank of Red Wing | $86.3M | Risk-based | 21.81% | 21.81% | 22.60% | 8.96% |
| Peer 25th percentile | 18.58% | 18.58% | 19.28% | 9.92% | ||
| Peer median | 22.76% | 22.76% | 23.56% | 11.16% | ||
| Peer 75th percentile | 36.09% | 36.09% | 37.34% | 16.29% | ||
| 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/437044/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.