Wayne County 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 13.58% +4.58 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 | $79.6M | 79,620 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $586.2M | 586,212 | RCOAA224 |
| Recomputed ratio | 13.58% | numerator / denominator | |
| Filed ratio | 13.58% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +4.58 pp | $26.9M | 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 | 600 | 600 | 600 | 600 | 600 | 600 | RCOAP742 |
| Retained earnings | 79,020 | 77,536 | 74,905 | 73,624 | 70,978 | 69,769 | RCOAKW00 |
| Accumulated other comprehensive income | (1,781) | (2,339) | (1,919) | (2,618) | (3,243) | (3,135) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 77,839 | 75,797 | 73,586 | 71,606 | 68,335 | 67,234 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,781 | 2,339 | 1,919 | 2,618 | 3,243 | 3,135 | P859 - P840 |
| Common equity Tier 1 capital | 79,620 | 78,136 | 75,505 | 74,224 | 71,578 | 70,369 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 79,620 | 78,136 | 75,505 | 74,224 | 71,578 | 70,369 | 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 | 586,212 | 577,776 | 573,221 | 567,717 | 557,308 | 550,056 | 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 | 13.58% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 13.52% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 13.17% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 13.07% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 12.84% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 12.79% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 12.82% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 13.23% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 13.36% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 13.46% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 13.38% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 13.60% | 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 |
|---|---|---|---|---|---|---|
| Wayne County Bank (this bank) | CBLR | NA | NA | NA | 13.58% | |
| The Andover Bank | $595.1M | Risk-based | 21.74% | 21.74% | 22.31% | 9.63% |
| Cattlemens Bank | $595.2M | CBLR | NA | NA | NA | 10.28% |
| The First National Bank of East Texas | $594.8M | CBLR | NA | NA | NA | 9.96% |
| Citizens State Bank | $594.4M | CBLR | NA | NA | NA | 11.48% |
| Citizens Bank Minnesota | $596.0M | Risk-based | 11.68% | 11.68% | 12.33% | 9.33% |
| Crest Savings Bank | $594.2M | Risk-based | 14.45% | 14.45% | 15.32% | 8.85% |
| MNB Bank | $594.1M | CBLR | NA | NA | NA | 11.09% |
| Gulf Capital Bank | $596.5M | Risk-based | 16.72% | 16.72% | 17.63% | 13.78% |
| Cross Bank | $593.5M | CBLR | NA | NA | NA | 10.45% |
| Riverstone Bank | $593.4M | CBLR | NA | NA | NA | 9.74% |
| Peer 25th percentile | 13.75% | 13.75% | 14.57% | 9.66% | ||
| Peer median | 15.58% | 15.58% | 16.48% | 10.12% | ||
| Peer 75th percentile | 17.97% | 17.97% | 18.80% | 10.93% | ||
| This bank's percentile | NA | NA | NA | 90 |
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/511832/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.