Zapata National Bank: Regulatory Capital and Risk-Weighted Assets
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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 8.65% -0.35 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 | $7.2M | 7,200 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $83.3M | 83,283 | RCOAA224 |
| Recomputed ratio | 8.65% | numerator / denominator | |
| Filed ratio | 8.65% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | -0.35 pp | -$295K | 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 | 1,042 | 1,042 | 1,042 | 1,042 | 1,042 | 1,042 | RCOAP742 |
| Retained earnings | 6,158 | 12,138 | 11,782 | 11,911 | 11,778 | 11,651 | RCOAKW00 |
| Accumulated other comprehensive income | (15) | (318) | (164) | (283) | (492) | (636) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 7,185 | 12,862 | 12,660 | 12,670 | 12,328 | 12,057 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 15 | 318 | 164 | 283 | 492 | 636 | P859 - P840 |
| Common equity Tier 1 capital | 7,200 | 13,180 | 12,824 | 12,953 | 12,820 | 12,693 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 7,200 | 13,180 | 12,824 | 12,953 | 12,820 | 12,693 | 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 | 83,283 | 83,544 | 85,265 | 83,989 | 85,419 | 87,253 | 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 | 8.65% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | CBLR | NA | NA | NA | 15.78% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | CBLR | NA | NA | NA | 15.04% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | CBLR | NA | NA | NA | 15.42% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | CBLR | NA | NA | NA | 15.01% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | CBLR | NA | NA | NA | 14.55% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | CBLR | NA | NA | NA | 14.05% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | CBLR | NA | NA | NA | 14.95% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | CBLR | NA | NA | NA | 14.65% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | CBLR | NA | NA | NA | 14.12% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | CBLR | NA | NA | NA | 13.57% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | CBLR | NA | NA | NA | 14.74% | 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 |
|---|---|---|---|---|---|---|
| Zapata National Bank (this bank) | CBLR | NA | NA | NA | 8.65% | |
| Sanborn Savings Bank | $92.7M | CBLR | NA | NA | NA | 9.26% |
| The First National Bank of Trinity | $92.8M | CBLR | NA | NA | NA | 9.16% |
| Flat Branch Bank | $92.8M | CBLR | NA | NA | NA | 12.58% |
| Sicily Island State Bank | $92.4M | CBLR | NA | NA | NA | 13.19% |
| The Farmers and Merchants Bank of Craig County | $93.0M | CBLR | NA | NA | NA | 16.87% |
| Junction National Bank | $93.0M | CBLR | NA | NA | NA | 12.04% |
| First Farmers & Merchants State Bank of Grand Meadow | $93.0M | Risk-based | 11.46% | 11.46% | 12.71% | 9.44% |
| Logan State Bank | $92.2M | Risk-based | 12.53% | 12.53% | 13.65% | 9.06% |
| Ladysmith Federal Savings & Loan Association | $93.2M | CBLR | NA | NA | NA | 9.18% |
| Triumph State Bank | $93.3M | Risk-based | 16.57% | 16.57% | 17.70% | 12.87% |
| Peer 25th percentile | 11.99% | 11.99% | 13.18% | 9.20% | ||
| Peer median | 12.53% | 12.53% | 13.65% | 10.74% | ||
| Peer 75th percentile | 14.55% | 14.55% | 15.67% | 12.79% | ||
| This bank's percentile | NA | NA | NA | 0 |
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/218261/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.