Bankstar Financial: 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 Accumulated other comprehensive income: 10.3% higher than in Q1 2026, at -$1.6M. Within South Dakota, Bankstar Financial is 30th of 36 on CET1 ratio, 12.02% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Bankstar Financial sits 3.05 points lower, at 12.02% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.02% |
| Tier 1 risk-based capital ratio | 12.02% |
| Total risk-based capital ratio | 13.08% |
| Tier 1 leverage ratio | 9.42% |
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 | $34.3M |
| Tier 1 capital | $34.3M |
| Total risk-based capital | $37.3M |
| Total equity capital | $34.8M |
| Risk-weighted assets | $285.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.58% |
| Tangible equity to tangible assets | 9.03% |
| Equity capital to average assets | 9.51% |
| Internal capital growth rate | 14.44% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $18.9M |
| Retained earnings | $17.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.6M |
| 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 | 10.07% | 10.07% | 11.11% | 8.06% | $217.5M |
| Q4 2023 | 9.86% | 9.86% | 10.88% | 7.94% | $227.2M |
| Q1 2024 | 9.80% | 9.80% | 10.85% | 7.57% | $228.9M |
| Q2 2024 | 10.57% | 10.57% | 11.56% | 8.80% | $249.9M |
| Q3 2024 | 10.64% | 10.64% | 11.63% | 8.55% | $257.4M |
| Q4 2024 | 11.05% | 11.05% | 12.03% | 8.57% | $256.0M |
| Q1 2025 | 11.25% | 11.25% | 12.25% | 8.94% | $259.7M |
| Q2 2025 | 11.76% | 11.76% | 12.82% | 9.07% | $255.9M |
| Q3 2025 | 11.74% | 11.74% | 12.72% | 9.28% | $266.4M |
| Q4 2025 | 11.78% | 11.78% | 12.76% | 9.28% | $274.9M |
| Q1 2026 | 11.76% | 11.76% | 12.77% | 9.32% | $281.3M |
| Q2 2026 | 12.02% | 12.02% | 13.08% | 9.42% | $285.1M |
Bankstar Financial regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankstar Financial, 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 Bankstar Financial profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 496) · FFIEC NIC profile (RSSD 109453)