The Baldwin 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%.
Equity capital to total assets fell 0.42 percentage points from Q1 2026 to Q2 2026, ending at 9.59% against 10.02%. It was the largest change among the key lines 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 | 10.14% |
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 | $11.4M |
| Tier 1 capital | $11.4M |
| Total risk-based capital | — |
| Total equity capital | $11.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.59% |
| Tangible equity to tangible assets | 9.59% |
| Equity capital to average assets | 9.90% |
| Internal capital growth rate | 12.46% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $1.2M |
| Retained earnings | $9.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$277K |
| 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 | 10.09% | 8.60% | 8.60% |
| Q4 2023 | 10.42% | 9.41% | 9.41% |
| Q1 2024 | 9.94% | 8.95% | 8.95% |
| Q2 2024 | 9.82% | 9.06% | 9.06% |
| Q3 2024 | 9.97% | 10.04% | 10.04% |
| Q4 2024 | 10.37% | 9.78% | 9.78% |
| Q1 2025 | 10.11% | 9.57% | 9.57% |
| Q2 2025 | 10.19% | 9.70% | 9.70% |
| Q3 2025 | 10.11% | 10.29% | 10.29% |
| Q4 2025 | 10.60% | 10.80% | 10.80% |
| Q1 2026 | 10.46% | 10.02% | 10.02% |
| Q2 2026 | 10.14% | 9.59% | 9.59% |
The Baldwin State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Baldwin 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 The Baldwin State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10906) · FFIEC NIC profile (RSSD 997155)