Welcome State 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 12.81% +3.81 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 | $5.7M | 5,739 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $44.8M | 44,796 | RCOAA224 |
| Recomputed ratio | 12.81% | numerator / denominator | |
| Filed ratio | 12.81% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +3.81 pp | $1.7M | 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 | 4,100 | 4,100 | 3,800 | 3,600 | 3,600 | 3,600 | RCOAP742 |
| Retained earnings | 1,639 | 1,512 | 1,670 | 1,716 | 1,522 | 1,380 | RCOAKW00 |
| Accumulated other comprehensive income | (6) | (2) | 21 | 12 | 2 | (26) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 5,733 | 5,610 | 5,491 | 5,328 | 5,124 | 4,954 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 6 | 2 | (21) | (12) | (2) | 26 | P859 - P840 |
| Common equity Tier 1 capital | 5,739 | 5,612 | 5,470 | 5,316 | 5,122 | 4,980 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 5,739 | 5,612 | 5,470 | 5,316 | 5,122 | 4,980 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | 361 | 356 | 342 | |
| Allowance includable in Tier 2 capital | NA | NA | NA | 361 | 356 | 342 | |
| Total capital | NA | NA | NA | 5,677 | 5,478 | 5,322 | |
| Total risk-weighted assets | NA | NA | NA | 28,794 | 28,422 | 27,256 | |
| Average total assets for the leverage ratio | 44,796 | 43,865 | 45,036 | 43,196 | 42,565 | 42,277 | 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 | 12.81% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | CBLR | NA | NA | NA | 12.79% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | CBLR | NA | NA | NA | 12.15% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | Risk-based | 18.46% | 18.46% | 19.72% | 12.31% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | Risk-based | 18.02% | 18.02% | 19.27% | 12.03% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | Risk-based | 18.27% | 18.27% | 19.53% | 11.78% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | Risk-based | 18.75% | 18.75% | 20.01% | 11.64% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | Risk-based | 19.69% | 19.69% | 20.95% | 12.05% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | Risk-based | 18.84% | 18.84% | 20.10% | 11.75% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | Risk-based | 17.64% | 17.64% | 18.89% | 11.23% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | Risk-based | 17.15% | 17.15% | 18.40% | 10.68% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | Risk-based | 19.13% | 19.13% | 20.38% | 10.97% | 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 |
|---|---|---|---|---|---|---|
| Welcome State Bank (this bank) | CBLR | NA | NA | NA | 12.81% | |
| Washita State Bank | $44.3M | CBLR | NA | NA | NA | 14.60% |
| Union State Bank | $44.3M | Risk-based | 28.19% | 28.19% | 30.80% | 12.65% |
| Cornerstone Community Bank | $44.5M | Risk-based | 220.54% | 220.54% | 220.54% | 277.16% |
| Ninnescah Valley Bank | $44.6M | CBLR | NA | NA | NA | 12.04% |
| Portrait Bank | $44.7M | CBLR | NA | NA | NA | 99.23% |
| Solutions Plus Bank | $43.9M | CBLR | NA | NA | NA | 56.70% |
| Highland State Bank | $44.9M | CBLR | NA | NA | NA | 11.98% |
| Gala Bank | $44.9M | Risk-based | 29.51% | 29.51% | 30.06% | 22.07% |
| Carrollton Federal Bank | $43.6M | CBLR | NA | NA | NA | 15.71% |
| Peer 25th percentile | 28.85% | 28.85% | 30.43% | 12.65% | ||
| Peer median | 29.51% | 29.51% | 30.80% | 15.71% | ||
| Peer 75th percentile | 125.02% | 125.02% | 125.67% | 56.70% | ||
| This bank's percentile | NA | NA | NA | 33 |
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/215653/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.