1st State Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Retained earnings: 10.9% higher than in Q1 2026, at $16.5M. Within Michigan, 1st State Bank is 19th of 43 on CET1 ratio, 14.97% as of Q2 2026, above the middle of the field. At 14.97%, 1st State Bank's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.97% |
| Tier 1 risk-based capital ratio | 14.97% |
| Total risk-based capital ratio | 16.22% |
| Tier 1 leverage ratio | 12.27% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $59.8M |
| Tier 1 capital | $59.8M |
| Total risk-based capital | $64.8M |
| Total equity capital | $58.7M |
| Risk-weighted assets | $399.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.98% |
| Tangible equity to tangible assets | 11.98% |
| Equity capital to average assets | 12.04% |
| Internal capital growth rate | 11.34% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $6.0M |
| Common stock surplus | $37.2M |
| Retained earnings | $16.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.56% | 12.56% | 13.81% | 9.33% | $369.8M |
| Q4 2023 | 13.01% | 13.01% | 14.26% | 9.68% | $363.8M |
| Q1 2024 | 13.57% | 13.57% | 14.82% | 9.79% | $358.3M |
| Q2 2024 | 13.41% | 13.41% | 14.66% | 10.09% | $367.0M |
| Q3 2024 | 13.98% | 13.98% | 15.23% | 10.43% | $362.5M |
| Q4 2024 | 14.29% | 14.29% | 15.54% | 10.94% | $362.5M |
| Q1 2025 | 13.55% | 13.55% | 14.80% | 11.39% | $389.5M |
| Q2 2025 | 13.92% | 13.92% | 15.17% | 11.57% | $387.1M |
| Q3 2025 | 14.63% | 14.63% | 15.89% | 11.65% | $379.5M |
| Q4 2025 | 14.68% | 14.68% | 15.93% | 11.81% | $391.3M |
| Q1 2026 | 14.78% | 14.78% | 16.03% | 11.86% | $393.7M |
| Q2 2026 | 14.97% | 14.97% | 16.22% | 12.27% | $399.7M |
1st State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock 1st State Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full 1st State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57626) · FFIEC NIC profile (RSSD 3223305)