Bath 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Total equity capital climbed 14.5% in Q2 2026, from $17.6M to $20.2M. It was the largest change from Q1 2026 among the key lines here. Bath State Bank ranks 36th of 50 Indiana banks on CET1 ratio, in the lower half at 11.89% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Bath State Bank sits 3.19 points lower, at 11.89% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.89% |
| Tier 1 risk-based capital ratio | 11.89% |
| Total risk-based capital ratio | 12.88% |
| Tier 1 leverage ratio | 8.82% |
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 | $30.8M |
| Tier 1 capital | $30.8M |
| Total risk-based capital | $33.4M |
| Total equity capital | $20.2M |
| Risk-weighted assets | $259.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 5.98% |
| Tangible equity to tangible assets | 5.98% |
| Equity capital to average assets | 5.78% |
| Internal capital growth rate | 15.22% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $7.5M |
| Retained earnings | $23.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.6M |
| 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 | 10.34% | 10.34% | 11.42% | 7.99% | $224.1M |
| Q4 2023 | 10.56% | 10.56% | 11.62% | 8.02% | $228.8M |
| Q1 2024 | 11.49% | 11.49% | 12.59% | 8.06% | $219.9M |
| Q2 2024 | 11.52% | 11.52% | 12.61% | 8.12% | $221.8M |
| Q3 2024 | 11.33% | 11.33% | 12.39% | 8.20% | $228.4M |
| Q4 2024 | 10.96% | 10.96% | 12.00% | 8.08% | $243.1M |
| Q1 2025 | 11.08% | 11.08% | 12.12% | 8.21% | $244.3M |
| Q2 2025 | 11.07% | 11.07% | 12.08% | 8.40% | $250.6M |
| Q3 2025 | 11.01% | 11.01% | 12.01% | 8.33% | $255.3M |
| Q4 2025 | 10.92% | 10.92% | 11.90% | 8.28% | $261.8M |
| Q1 2026 | 11.39% | 11.39% | 12.39% | 8.43% | $255.9M |
| Q2 2026 | 11.89% | 11.89% | 12.88% | 8.82% | $259.2M |
Bath State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bath 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 Bath State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8035) · FFIEC NIC profile (RSSD 308340)