Adams 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%.
Compared with Q1 2026, Equity capital to average assets rose 0.50 percentage points in Q2 2026 to 16.26%, the biggest move on this page.
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 | 16.62% |
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 | $11.3M |
| Tier 1 capital | $11.3M |
| Total risk-based capital | — |
| Total equity capital | $11.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.73% |
| Tangible equity to tangible assets | 15.73% |
| Equity capital to average assets | 16.26% |
| Internal capital growth rate | 4.82% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $8.0M |
| Retained earnings | $3.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$247K |
| 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 | 15.30% | 12.89% | 12.89% |
| Q4 2023 | 15.17% | 13.29% | 13.29% |
| Q1 2024 | 15.27% | 13.76% | 13.76% |
| Q2 2024 | 15.43% | 13.78% | 13.78% |
| Q3 2024 | 14.91% | 13.50% | 13.50% |
| Q4 2024 | 14.73% | 13.83% | 13.83% |
| Q1 2025 | 15.03% | 13.84% | 13.84% |
| Q2 2025 | 15.38% | 14.75% | 14.75% |
| Q3 2025 | 15.62% | 14.87% | 14.87% |
| Q4 2025 | 15.73% | 15.54% | 15.54% |
| Q1 2026 | 16.14% | 15.41% | 15.41% |
| Q2 2026 | 16.62% | 15.73% | 15.73% |
Adams State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Adams 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 Adams State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9812) · FFIEC NIC profile (RSSD 332756)