Battle Creek 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%.
Risk-weighted assets climbed 18.3% in Q2 2026, from $50.0M to $59.2M. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Battle Creek State Bank is 18th of 57 on CET1 ratio, 16.51% as of Q2 2026, above the middle of the field. Battle Creek State Bank reported 16.51% on CET1 ratio for Q2 2026, 2.99 points below the 19.50% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.51% |
| Tier 1 risk-based capital ratio | 16.51% |
| Total risk-based capital ratio | 17.17% |
| Tier 1 leverage ratio | 14.45% |
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 | $10.2M |
| Total equity capital | $9.8M |
| Risk-weighted assets | $59.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.78% |
| Tangible equity to tangible assets | 13.78% |
| Equity capital to average assets | 14.46% |
| Internal capital growth rate | 5.26% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $192K |
| Common stock surplus | $7.9M |
| Retained earnings | $1.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $7K |
| 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 | 16.11% | 16.11% | 17.36% | 12.75% | $28.8M |
| Q4 2023 | 15.83% | 15.83% | 17.08% | 12.21% | $29.3M |
| Q1 2024 | 15.87% | 15.87% | 17.13% | 12.01% | $29.5M |
| Q2 2024 | 15.81% | 15.81% | 17.06% | 11.67% | $30.0M |
| Q3 2024 | 15.75% | 15.75% | 17.00% | 11.67% | $30.5M |
| Q4 2024 | 15.69% | 15.69% | 16.94% | 12.04% | $29.8M |
| Q1 2025 | 14.78% | 14.78% | 16.01% | 11.57% | $31.8M |
| Q2 2025 | 15.80% | 15.80% | 17.05% | 10.84% | $30.1M |
| Q3 2025 | 26.16% | 26.16% | 27.24% | 21.30% | $36.3M |
| Q4 2025 | 22.56% | 22.56% | 23.49% | 19.22% | $42.2M |
| Q1 2026 | 19.27% | 19.27% | 20.06% | 15.91% | $50.0M |
| Q2 2026 | 16.51% | 16.51% | 17.17% | 14.45% | $59.2M |
Battle Creek State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Battle Creek 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 Battle Creek State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16330) · FFIEC NIC profile (RSSD 986757)