West Texas 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 10.49% +1.49 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 | $43.6M | 43,607 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $415.7M | 415,699 | RCOAA224 |
| Recomputed ratio | 10.49% | numerator / denominator | |
| Filed ratio | 10.49% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.49 pp | $6.2M | 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 | 29,376 | 29,376 | 29,176 | 29,025 | 28,975 | 28,850 | RCOAP742 |
| Retained earnings | 20,254 | 19,063 | 18,125 | 16,637 | 15,155 | 14,110 | RCOAKW00 |
| Accumulated other comprehensive income | (4,593) | (4,795) | (4,837) | (5,546) | (7,454) | (6,798) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 45,037 | 43,644 | 42,464 | 40,116 | 36,676 | 36,162 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (1,430) | (1,252) | (1,233) | (548) | 1,336 | 657 | P859 - P840 |
| Common equity Tier 1 capital | 43,607 | 42,392 | 41,231 | 39,568 | 38,012 | 36,819 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 43,607 | 42,392 | 41,231 | 39,568 | 38,012 | 36,819 | 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 | 415,699 | 401,379 | 375,793 | 358,426 | 342,879 | 317,887 | 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 | 10.49% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 10.56% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.97% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 11.04% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 11.09% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 11.58% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 11.36% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 11.17% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 11.14% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 10.90% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.99% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 13.53% | 13.53% | 14.53% | 10.62% | 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 |
|---|---|---|---|---|---|---|
| West Texas State Bank (this bank) | CBLR | NA | NA | NA | 10.49% | |
| James Polk Stone Community Bank | $443.8M | CBLR | NA | NA | NA | 9.98% |
| Community Bank Delaware | $443.6M | Risk-based | 11.88% | 11.88% | 12.98% | 8.58% |
| Noblebank & Trust | $444.0M | CBLR | NA | NA | NA | 11.32% |
| Grand Ridge National Bank | $443.3M | CBLR | NA | NA | NA | 13.77% |
| Glennville Bank | $444.2M | Risk-based | 21.74% | 21.74% | 23.00% | 11.02% |
| First Jackson Bank | $444.3M | CBLR | NA | NA | NA | 14.78% |
| The City National Bank of Metropolis | $444.4M | Risk-based | 24.06% | 24.06% | 25.17% | 13.78% |
| Broadstreet Bank, SSB | $442.8M | CBLR | NA | NA | NA | 12.13% |
| Honor Bank | $442.7M | Risk-based | 11.35% | 11.35% | 12.60% | 9.77% |
| National Grand Bank of Marblehead | $444.8M | CBLR | NA | NA | NA | 10.31% |
| Peer 25th percentile | 11.75% | 11.75% | 12.89% | 10.06% | ||
| Peer median | 16.81% | 16.81% | 17.99% | 11.17% | ||
| Peer 75th percentile | 22.32% | 22.32% | 23.54% | 13.36% | ||
| This bank's percentile | NA | NA | NA | 40 |
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/406666/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.