Bank of St. Francisville: 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 largest change between Q1 2026 and Q2 2026 was in Equity capital to average assets, which fell 0.37 percentage points to 9.63%.
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 | 9.87% |
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 | $39.5M |
| Tier 1 capital | $39.5M |
| Total risk-based capital | — |
| Total equity capital | $38.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.67% |
| Tangible equity to tangible assets | 9.67% |
| Equity capital to average assets | 9.63% |
| Internal capital growth rate | -0.97% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $682K |
| Common stock surplus | $15.5M |
| Retained earnings | $23.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$967K |
| 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 | 10.77% | 8.67% | 8.67% |
| Q4 2023 | 10.86% | 8.59% | 8.59% |
| Q1 2024 | 10.99% | 8.35% | 8.35% |
| Q2 2024 | 9.48% | 8.84% | 8.84% |
| Q3 2024 | 9.31% | 8.88% | 8.88% |
| Q4 2024 | 9.17% | 8.36% | 8.36% |
| Q1 2025 | 9.68% | 9.26% | 9.26% |
| Q2 2025 | 9.58% | 9.31% | 9.31% |
| Q3 2025 | 9.85% | 9.90% | 9.90% |
| Q4 2025 | 10.13% | 10.06% | 10.06% |
| Q1 2026 | 10.24% | 9.73% | 9.73% |
| Q2 2026 | 9.87% | 9.67% | 9.67% |
Bank of St. Francisville regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of St. Francisville, 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 Bank of St. Francisville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22739) · FFIEC NIC profile (RSSD 364430)