Wayne Bank and Trust Co.: 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 9.53% +0.53 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 | $24.4M | 24,369 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $255.8M | 255,759 | RCOAA224 |
| Recomputed ratio | 9.53% | numerator / denominator | |
| Filed ratio | 9.53% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.53 pp | $1.4M | 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 | 2,000 | 2,000 | 2,000 | 2,000 | 2,000 | 2,000 | RCOAP742 |
| Retained earnings | 22,369 | 22,349 | 22,020 | 21,446 | 21,124 | 21,229 | RCOAKW00 |
| Accumulated other comprehensive income | (4,377) | (4,357) | (4,436) | (4,879) | (5,902) | (5,817) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 19,992 | 19,992 | 19,584 | 18,567 | 17,222 | 17,412 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 4,377 | 4,357 | 4,436 | 4,879 | 5,902 | 5,817 | P859 - P840 |
| Common equity Tier 1 capital | 24,369 | 24,349 | 24,020 | 23,446 | 23,124 | 23,229 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 24,369 | 24,349 | 24,020 | 23,446 | 23,124 | 23,229 | RCOA8274 |
| Tier 2 capital | NA | NA | 2,310 | 2,206 | 2,145 | 2,050 | |
| Allowance includable in Tier 2 capital | NA | NA | 2,310 | 2,206 | 2,145 | 2,050 | |
| Total capital | NA | NA | 26,330 | 25,652 | 25,269 | 25,279 | |
| Total risk-weighted assets | NA | NA | 200,541 | 196,811 | 189,739 | 181,585 | |
| Average total assets for the leverage ratio | 255,759 | 254,127 | 251,053 | 242,376 | 234,009 | 229,078 | 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 | 9.53% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.58% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 11.98% | 11.98% | 13.13% | 9.57% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 11.91% | 11.91% | 13.03% | 9.67% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 12.19% | 12.19% | 13.32% | 9.88% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 12.79% | 12.79% | 13.92% | 10.14% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.85% | 12.85% | 13.99% | 10.07% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 12.87% | 12.87% | 14.01% | 10.11% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 12.90% | 12.90% | 14.04% | 10.21% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 13.25% | 13.25% | 14.41% | 10.40% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 13.28% | 13.28% | 14.45% | 10.42% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 13.54% | 13.54% | 14.68% | 10.33% | 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 |
|---|---|---|---|---|---|---|
| Wayne Bank and Trust Co. (this bank) | CBLR | NA | NA | NA | 9.53% | |
| The Bank of Monroe | $255.4M | Risk-based | 21.49% | 21.49% | 22.79% | 13.22% |
| The Gunnison Bank and Trust Company | $255.4M | CBLR | NA | NA | NA | 13.86% |
| First Bank & Trust Company | $255.2M | CBLR | NA | NA | NA | 11.34% |
| Home Bank of California | $255.4M | CBLR | NA | NA | NA | 12.27% |
| Idaho Trust Bank | $255.6M | Risk-based | 14.10% | 14.10% | 15.17% | 11.23% |
| BNY Mellon Trust of Delaware | $254.9M | Risk-based | 164.90% | 164.90% | 165.16% | 29.59% |
| Bankers' Bank of Kansas | $255.7M | Risk-based | 17.97% | 17.97% | 19.22% | 16.31% |
| Hometown Bank | $254.9M | Risk-based | 10.82% | 10.82% | 11.59% | 8.17% |
| Farmers State Bank | $254.8M | CBLR | NA | NA | NA | 9.99% |
| Mountain Valley Bank | $254.6M | Risk-based | 15.17% | 15.17% | 16.05% | 10.02% |
| Peer 25th percentile | 14.37% | 14.37% | 15.39% | 10.33% | ||
| Peer median | 16.57% | 16.57% | 17.64% | 11.80% | ||
| Peer 75th percentile | 20.61% | 20.61% | 21.90% | 13.70% | ||
| 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/451246/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.