The Baltic 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, Risk-weighted assets rose 7.0% in Q2 2026 to $92.8M, the biggest move on this page. The Baltic State Bank has the 4th lowest CET1 ratio of the 84 banks headquartered in Ohio, at 10.52% as of Q2 2026. The Baltic State Bank reported 10.52% on CET1 ratio for Q2 2026, 4.55 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.52% |
| Tier 1 risk-based capital ratio | 10.52% |
| Total risk-based capital ratio | 11.59% |
| Tier 1 leverage ratio | 7.81% |
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 | $9.8M |
| Tier 1 capital | $9.8M |
| Total risk-based capital | $10.8M |
| Total equity capital | $9.1M |
| Risk-weighted assets | $92.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.01% |
| Tangible equity to tangible assets | 7.01% |
| Equity capital to average assets | 7.27% |
| Internal capital growth rate | 10.02% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $400K |
| Retained earnings | $9.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$675K |
| 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 | 10.78% | 10.78% | 11.80% | 7.67% | $70.3M |
| Q4 2023 | 10.56% | 10.56% | 11.59% | 7.78% | $72.8M |
| Q1 2024 | 10.69% | 10.69% | 11.72% | 7.81% | $73.7M |
| Q2 2024 | 10.61% | 10.61% | 11.63% | 8.07% | $75.8M |
| Q3 2024 | 10.74% | 10.74% | 11.85% | 8.15% | $75.8M |
| Q4 2024 | 10.75% | 10.75% | 11.86% | 7.94% | $76.8M |
| Q1 2025 | 10.81% | 10.81% | 11.92% | 7.86% | $78.8M |
| Q2 2025 | 10.87% | 10.87% | 11.98% | 7.98% | $80.8M |
| Q3 2025 | 11.39% | 11.39% | 12.54% | 8.47% | $80.3M |
| Q4 2025 | 10.96% | 10.96% | 12.08% | 8.07% | $84.3M |
| Q1 2026 | 11.00% | 11.00% | 12.12% | 7.94% | $86.7M |
| Q2 2026 | 10.52% | 10.52% | 11.59% | 7.81% | $92.8M |
The Baltic State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Baltic 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 Baltic State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17759) · FFIEC NIC profile (RSSD 112510)