Waycross 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 12.15% +3.15 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 | $30.1M | 30,054 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $247.5M | 247,457 | RCOAA224 |
| Recomputed ratio | 12.15% | numerator / denominator | |
| Filed ratio | 12.15% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +3.15 pp | $7.8M | 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 | 6,927 | 6,927 | 6,927 | 6,927 | 6,927 | 6,936 | RCOAP742 |
| Retained earnings | 23,127 | 22,602 | 21,840 | 22,243 | 21,617 | 21,082 | RCOAKW00 |
| Accumulated other comprehensive income | (9,316) | (8,921) | (8,725) | (9,062) | (11,093) | (11,099) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 20,738 | 20,608 | 20,042 | 20,108 | 17,451 | 16,919 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 9,316 | 8,921 | 8,725 | 9,062 | 11,093 | 11,099 | P859 - P840 |
| Common equity Tier 1 capital | 30,054 | 29,529 | 28,767 | 29,170 | 28,544 | 28,018 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 30,054 | 29,529 | 28,767 | 29,170 | 28,544 | 28,018 | RCOA8274 |
| Tier 2 capital | NA | NA | 1,865 | 1,823 | 1,902 | 1,945 | |
| Allowance includable in Tier 2 capital | NA | NA | 1,865 | 1,823 | 1,902 | 1,945 | |
| Total capital | NA | NA | 30,632 | 30,993 | 30,446 | 29,963 | |
| Total risk-weighted assets | NA | NA | 148,697 | 145,278 | 151,698 | 155,152 | |
| Average total assets for the leverage ratio | 247,457 | 244,439 | 254,437 | 256,904 | 255,086 | 260,267 | 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 | 12.15% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 12.08% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 19.35% | 19.35% | 20.60% | 11.31% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 20.08% | 20.08% | 21.33% | 11.35% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 18.82% | 18.82% | 20.07% | 11.19% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 18.06% | 18.06% | 19.31% | 10.77% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 16.93% | 16.93% | 18.18% | 10.44% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 17.41% | 17.41% | 18.66% | 10.66% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 17.44% | 17.44% | 18.69% | 10.69% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 18.15% | 18.15% | 19.41% | 10.74% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 18.48% | 18.48% | 19.73% | 10.73% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 18.28% | 18.28% | 19.54% | 10.97% | 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 |
|---|---|---|---|---|---|---|
| Waycross Bank & Trust (this bank) | CBLR | NA | NA | NA | 12.15% | |
| Arcadian Bank | $242.1M | CBLR | NA | NA | NA | 12.01% |
| The Idabel National Bank | $242.3M | Risk-based | 23.53% | 23.53% | 24.81% | 16.18% |
| Citizens Bank & Trust Company | $242.3M | CBLR | NA | NA | NA | 11.45% |
| Wells Fargo Delaware Trust Company, N.A. | $242.0M | Risk-based | 497.10% | 497.10% | 497.10% | 99.98% |
| The Commercial Bank of Grayson | $242.0M | Risk-based | 17.60% | 17.60% | 18.85% | 11.01% |
| National Bank & Trust | $242.0M | CBLR | NA | NA | NA | 10.83% |
| Center National Bank | $242.6M | Risk-based | 16.56% | 16.56% | 17.76% | 11.05% |
| First Farmers & Merchants National Bank | $242.6M | Risk-based | 14.32% | 14.32% | 15.31% | 11.62% |
| Bankchampaign, N.A. | $242.8M | Risk-based | 14.63% | 14.63% | 15.89% | 11.84% |
| Security Savings Bank | $241.4M | CBLR | NA | NA | NA | 12.97% |
| Peer 25th percentile | 15.11% | 15.11% | 16.35% | 11.15% | ||
| Peer median | 17.08% | 17.08% | 18.31% | 11.73% | ||
| Peer 75th percentile | 22.05% | 22.05% | 23.32% | 12.73% | ||
| This bank's percentile | NA | NA | NA | 70 |
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/1191352/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.