5STAR 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Equity capital to average assets dropped 1.27 percentage points in Q2 2026, from 18.59% to 17.31%. It was the largest change from Q1 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 17.24% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $64.0M |
| Tier 1 capital | $64.0M |
| Total risk-based capital | — |
| Total equity capital | $64.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 17.02% |
| Tangible equity to tangible assets | 16.86% |
| Equity capital to average assets | 17.31% |
| Internal capital growth rate | -18.26% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $385K |
| Common stock surplus | $31.0M |
| Retained earnings | $33.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$340K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 16.11% | 15.23% | 15.04% |
| Q4 2023 | 15.56% | 15.34% | 15.15% |
| Q1 2024 | 15.39% | 14.99% | 14.81% |
| Q2 2024 | 15.39% | 15.25% | 15.07% |
| Q3 2024 | 16.08% | 16.34% | 16.16% |
| Q4 2024 | 16.67% | 16.20% | 16.02% |
| Q1 2025 | 16.91% | 16.45% | 16.27% |
| Q2 2025 | 15.86% | 15.08% | 14.92% |
| Q3 2025 | 16.01% | 16.40% | 16.24% |
| Q4 2025 | 16.48% | 17.38% | 17.21% |
| Q1 2026 | 18.55% | 17.32% | 17.16% |
| Q2 2026 | 17.24% | 17.02% | 16.86% |
5STAR Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock 5STAR 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 5STAR Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 91005) · FFIEC NIC profile (RSSD 455253)