Bank of Steinauer: 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 standout move of Q2 2026 was in Equity capital to total assets: 2.77 percentage points higher than in Q1 2026, at 10.10%. Within Nebraska, Bank of Steinauer is 24th of 57 on CET1 ratio, 15.29% as of Q2 2026, above the middle of the field. Bank of Steinauer reported 15.29% on CET1 ratio for Q2 2026, 4.28 points below the 19.57% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.29% |
| Tier 1 risk-based capital ratio | 15.29% |
| Total risk-based capital ratio | 15.88% |
| Tier 1 leverage ratio | 7.89% |
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 | $1.9M |
| Tier 1 capital | $1.9M |
| Total risk-based capital | $2.0M |
| Total equity capital | $1.9M |
| Risk-weighted assets | $12.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.10% |
| Tangible equity to tangible assets | 10.10% |
| Equity capital to average assets | 7.89% |
| Internal capital growth rate | 13.33% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $40K |
| Common stock surplus | $1.7M |
| Retained earnings | $223K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 15.95% | 15.95% | 16.83% | 8.65% | $8.7M |
| Q4 2023 | 14.11% | 14.11% | 14.77% | 8.15% | $9.8M |
| Q1 2024 | — | — | — | 10.15% | — |
| Q2 2024 | — | — | — | 10.15% | — |
| Q3 2024 | — | — | — | 10.32% | — |
| Q4 2024 | — | — | — | 9.49% | — |
| Q1 2025 | — | — | — | 8.33% | — |
| Q2 2025 | — | — | — | 8.18% | — |
| Q3 2025 | 16.31% | 16.31% | 16.96% | 8.63% | $11.8M |
| Q4 2025 | 14.73% | 14.73% | 15.34% | 7.94% | $12.3M |
| Q1 2026 | 14.88% | 14.88% | 15.48% | 7.52% | $12.5M |
| Q2 2026 | 15.29% | 15.29% | 15.88% | 7.89% | $12.6M |
Bank of Steinauer regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Steinauer, 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 Steinauer profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10635) · FFIEC NIC profile (RSSD 384353)