White 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 11.16% +2.16 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 | $12.1M | 12,138 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $108.8M | 108,765 | RCOAA224 |
| Recomputed ratio | 11.16% | numerator / denominator | |
| Filed ratio | 11.16% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.16 pp | $2.3M | 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 | 3,985 | 3,985 | 3,985 | 3,985 | 3,985 | 3,985 | RCOAP742 |
| Retained earnings | 9,098 | 8,624 | 8,687 | 8,276 | 8,284 | 7,930 | RCOAKW00 |
| Accumulated other comprehensive income | (1,073) | (995) | (668) | (775) | (1,254) | (1,561) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 12,010 | 11,614 | 12,004 | 11,486 | 11,015 | 10,354 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 128 | 50 | (277) | (170) | 309 | 616 | P859 - P840 |
| Common equity Tier 1 capital | 12,138 | 11,664 | 11,727 | 11,316 | 11,324 | 10,970 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 12,138 | 11,664 | 11,727 | 11,316 | 11,324 | 10,970 | 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 | 108,765 | 104,932 | 101,543 | 99,426 | 100,600 | 102,600 | 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 | 11.16% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 11.12% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 11.55% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 11.38% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 11.26% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 10.69% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 10.79% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 10.58% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 10.58% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 10.46% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.51% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.82% | 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 |
|---|---|---|---|---|---|---|
| White State Bank (this bank) | CBLR | NA | NA | NA | 11.16% | |
| Wellington Trust Company N.A. | $109.0M | Risk-based | 54.19% | 54.19% | 54.19% | 58.52% |
| Anderson State Bank | $108.9M | CBLR | NA | NA | NA | 17.31% |
| Covington County Bank | $109.2M | Risk-based | 17.47% | 17.47% | 18.09% | 13.76% |
| The First State Bank of Healy | $108.8M | CBLR | NA | NA | NA | 16.77% |
| First Naturalstate Bank | $108.8M | Risk-based | 24.36% | 24.36% | 25.62% | 15.55% |
| Citizens National Bank | $108.8M | CBLR | NA | NA | NA | 12.82% |
| Home Savings Bank | $108.8M | CBLR | NA | NA | NA | 15.73% |
| The Peoples Bank | $109.3M | CBLR | NA | NA | NA | 12.45% |
| The Cowboy Bank of Texas | $108.6M | CBLR | NA | NA | NA | 17.51% |
| FNNB Bank | $109.5M | Risk-based | 12.38% | 12.38% | 13.40% | 9.74% |
| Peer 25th percentile | 16.20% | 16.20% | 16.92% | 13.06% | ||
| Peer median | 20.92% | 20.92% | 21.86% | 15.64% | ||
| Peer 75th percentile | 31.82% | 31.82% | 32.76% | 17.18% | ||
| 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/359744/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.