Wyoming Community 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 9.52% +0.52 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 | $25.1M | 25,138 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $264.2M | 264,170 | RCOAA224 |
| Recomputed ratio | 9.52% | numerator / denominator | |
| Filed ratio | 9.52% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.52 pp | $1.4M | 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 | 9,099 | 9,099 | 9,099 | 9,099 | 9,099 | 9,099 | RCOAP742 |
| Retained earnings | 16,039 | 15,496 | 14,891 | 14,452 | 13,946 | 13,543 | RCOAKW00 |
| Accumulated other comprehensive income | (4,186) | (4,438) | (3,968) | (4,376) | (5,710) | (5,560) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 20,952 | 20,157 | 20,022 | 19,175 | 17,335 | 17,082 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 4,186 | 4,438 | 3,967 | 4,376 | 5,710 | 5,560 | P859 - P840 |
| Common equity Tier 1 capital | 25,138 | 24,595 | 23,989 | 23,551 | 23,045 | 22,642 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 25,138 | 24,595 | 23,989 | 23,551 | 23,045 | 22,642 | 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 | 264,170 | 262,740 | 262,129 | 253,536 | 249,613 | 245,602 | 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 | 9.52% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.36% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 9.15% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 9.29% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 9.23% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 9.22% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 9.09% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 9.41% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 9.55% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 9.68% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 9.57% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 9.28% | 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 |
|---|---|---|---|---|---|---|
| Wyoming Community Bank (this bank) | CBLR | NA | NA | NA | 9.52% | |
| Marblehead Bank | $262.5M | Risk-based | 16.99% | 16.99% | 17.81% | 10.11% |
| Bank of Brookhaven | $262.2M | Risk-based | 18.04% | 18.04% | 18.83% | 11.64% |
| Union Savings and Loan Association | $261.8M | CBLR | NA | NA | NA | 10.45% |
| Bank of Holland | $261.6M | Risk-based | 14.59% | 14.59% | 15.79% | 8.77% |
| Clarion County Community Bank | $261.6M | Risk-based | 10.60% | 10.60% | 11.41% | 8.01% |
| Bank of Salem | $261.5M | CBLR | NA | NA | NA | 12.43% |
| YNB | $261.4M | Risk-based | 12.25% | 12.25% | 12.93% | 8.45% |
| FBT Bank & Mortgage | $263.6M | CBLR | NA | NA | NA | 10.39% |
| Madison Valley Bank | $263.7M | Risk-based | 14.52% | 14.52% | 15.77% | 9.24% |
| Peer 25th percentile | 12.82% | 12.82% | 13.64% | 8.77% | ||
| Peer median | 14.55% | 14.55% | 15.78% | 10.11% | ||
| Peer 75th percentile | 16.39% | 16.39% | 17.30% | 10.45% | ||
| This bank's percentile | NA | NA | NA | 44 |
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/2806840/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.