Belgrade 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%.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 5.0% to $47.5M. Within Missouri, Belgrade State Bank is 39th of 98 on CET1 ratio, 15.07% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio; Belgrade State Bank reported 15.07% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.07% |
| Tier 1 risk-based capital ratio | 15.07% |
| Total risk-based capital ratio | 16.29% |
| Tier 1 leverage ratio | 10.13% |
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 | $54.6M |
| Tier 1 capital | $54.6M |
| Total risk-based capital | $59.0M |
| Total equity capital | $49.1M |
| Risk-weighted assets | $362.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.95% |
| Tangible equity to tangible assets | 8.95% |
| Equity capital to average assets | 9.10% |
| Internal capital growth rate | 19.53% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $120K |
| Common stock surplus | $7.0M |
| Retained earnings | $47.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.5M |
| 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 | 13.93% | 13.93% | 15.10% | 9.27% | $279.2M |
| Q4 2023 | 13.60% | 13.60% | 14.85% | 9.29% | $289.2M |
| Q1 2024 | 13.58% | 13.58% | 14.83% | 9.38% | $296.7M |
| Q2 2024 | 13.81% | 13.81% | 15.06% | 9.29% | $298.2M |
| Q3 2024 | 13.93% | 13.93% | 15.12% | 9.41% | $307.7M |
| Q4 2024 | 13.87% | 13.87% | 15.12% | 9.46% | $316.9M |
| Q1 2025 | 14.04% | 14.04% | 15.28% | 9.66% | $325.0M |
| Q2 2025 | 14.12% | 14.12% | 15.32% | 9.64% | $338.3M |
| Q3 2025 | 14.40% | 14.40% | 15.57% | 9.76% | $345.1M |
| Q4 2025 | 14.34% | 14.34% | 15.59% | 9.66% | $351.0M |
| Q1 2026 | 15.09% | 15.09% | 16.31% | 9.81% | $346.7M |
| Q2 2026 | 15.07% | 15.07% | 16.29% | 10.13% | $362.3M |
Belgrade State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Belgrade 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 Belgrade State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12208) · FFIEC NIC profile (RSSD 761244)