The Baxter 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.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 4.1% to $2.4M.
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 | 19.75% |
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 | $5.0M |
| Tier 1 capital | $5.0M |
| Total risk-based capital | — |
| Total equity capital | $5.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 19.79% |
| Tangible equity to tangible assets | 19.79% |
| Equity capital to average assets | 19.64% |
| Internal capital growth rate | 7.62% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $2.5M |
| Retained earnings | $2.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$22K |
| 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 | 21.11% | 21.93% | 19.97% |
| Q4 2023 | 21.32% | 22.40% | 20.44% |
| Q1 2024 | 21.55% | 22.55% | 20.59% |
| Q2 2024 | 21.63% | 22.87% | 20.92% |
| Q3 2024 | 21.83% | 21.99% | 20.13% |
| Q4 2024 | 22.38% | 22.80% | 20.88% |
| Q1 2025 | 21.78% | 23.77% | 21.81% |
| Q2 2025 | 22.49% | 24.48% | 22.52% |
| Q3 2025 | 22.31% | 21.33% | 21.33% |
| Q4 2025 | 20.10% | 20.23% | 20.23% |
| Q1 2026 | 19.83% | 19.51% | 19.51% |
| Q2 2026 | 19.75% | 19.79% | 19.79% |
The Baxter State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Baxter 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 The Baxter State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12432) · FFIEC NIC profile (RSSD 1000856)