West View Savings 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 9.36% +0.36 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 | $34.2M | 34,224 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $365.7M | 365,659 | RCOAA224 |
| Recomputed ratio | 9.36% | numerator / denominator | |
| Filed ratio | 9.36% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.36 pp | $1.3M | 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 | 3,363 | 3,363 | 3,363 | 3,363 | 3,363 | 3,363 | RCOAP742 |
| Retained earnings | 30,861 | 30,712 | 30,670 | 30,592 | 30,434 | 30,370 | RCOAKW00 |
| Accumulated other comprehensive income | 370 | 115 | 12 | 25 | (54) | (84) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 34,594 | 34,190 | 34,045 | 33,980 | 33,743 | 33,649 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (370) | (115) | (12) | (25) | 54 | 84 | P859 - P840 |
| Common equity Tier 1 capital | 34,224 | 34,075 | 34,033 | 33,955 | 33,797 | 33,733 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 34,224 | 34,075 | 34,033 | 33,955 | 33,797 | 33,733 | RCOA8274 |
| Tier 2 capital | NA | 630 | 616 | 616 | 623 | 574 | |
| Allowance includable in Tier 2 capital | NA | 630 | 616 | 616 | 623 | 574 | |
| Total capital | NA | 34,705 | 34,649 | 34,571 | 34,420 | 34,307 | |
| Total risk-weighted assets | NA | 148,640 | 139,498 | 125,762 | 124,180 | 110,291 | |
| Average total assets for the leverage ratio | 365,659 | 359,802 | 352,190 | 345,084 | 331,982 | 323,407 | 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 | 9.36% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 22.92% | 22.92% | 23.35% | 9.47% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 24.40% | 24.40% | 24.84% | 9.66% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 27.00% | 27.00% | 27.49% | 9.84% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 27.22% | 27.22% | 27.72% | 10.18% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 30.59% | 30.59% | 31.11% | 10.43% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 33.44% | 33.44% | 33.98% | 10.16% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 29.46% | 29.46% | 29.94% | 9.67% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 29.40% | 29.40% | 29.90% | 9.28% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 28.57% | 28.57% | 29.03% | 9.34% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 28.50% | 28.50% | 28.93% | 9.38% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 29.26% | 29.26% | 29.71% | 9.40% | 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 View Savings Bank (this bank) | CBLR | NA | NA | NA | 9.36% | |
| Progrowth Bank | $364.8M | Risk-based | 20.01% | 20.01% | 20.50% | 7.09% |
| Marion Community Bank | $364.2M | CBLR | NA | NA | NA | 9.83% |
| Amerifirst Bank | $364.1M | Risk-based | 11.97% | 11.97% | 13.10% | 9.66% |
| Commercial Bank & Trust Company | $364.0M | CBLR | NA | NA | NA | 11.30% |
| First Shore Federal Savings and Loan Association | $366.5M | Risk-based | 27.67% | 27.67% | 28.92% | 17.39% |
| The First National Bank of Bangor | $363.7M | CBLR | NA | NA | NA | 31.61% |
| American Bank | $366.6M | CBLR | NA | NA | NA | 10.08% |
| Bankstar Financial | $363.5M | Risk-based | 12.02% | 12.02% | 13.08% | 9.42% |
| Shelby County State Bank | $363.2M | CBLR | NA | NA | NA | 10.44% |
| Flatwater Bank | $367.7M | CBLR | NA | NA | NA | 9.38% |
| Peer 25th percentile | 12.01% | 12.01% | 13.10% | 9.48% | ||
| Peer median | 16.01% | 16.01% | 16.80% | 9.96% | ||
| Peer 75th percentile | 21.92% | 21.92% | 22.61% | 11.08% | ||
| 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/842376/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.