Bendena 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 Tangible equity to tangible assets, which rose 0.41 percentage points to 9.41%. Bendena State Bank ranks 43rd of 86 Kansas banks on CET1 ratio, in the upper half at 14.76% (Q2 2026). At 14.76%, Bendena State Bank's CET1 ratio is close to the 15.08% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.76% |
| Tier 1 risk-based capital ratio | 14.76% |
| Total risk-based capital ratio | 15.81% |
| Tier 1 leverage ratio | 9.96% |
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 | $13.0M |
| Tier 1 capital | $13.0M |
| Total risk-based capital | $14.0M |
| Total equity capital | $12.9M |
| Risk-weighted assets | $88.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.79% |
| Tangible equity to tangible assets | 9.41% |
| Equity capital to average assets | 9.81% |
| Internal capital growth rate | 5.81% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $75K |
| Common stock surplus | $3.6M |
| Retained earnings | $9.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$701K |
| 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 | 13.35% | 13.35% | 14.20% | 8.54% | $68.2M |
| Q4 2023 | 12.78% | 12.78% | 13.60% | 8.63% | $72.6M |
| Q1 2024 | 13.17% | 13.17% | 14.09% | 8.84% | $72.1M |
| Q2 2024 | 13.32% | 13.32% | 14.25% | 8.95% | $72.6M |
| Q3 2024 | 13.56% | 13.56% | 14.53% | 9.05% | $72.7M |
| Q4 2024 | 13.22% | 13.22% | 14.18% | 9.18% | $76.7M |
| Q1 2025 | 14.35% | 14.35% | 15.41% | 9.45% | $72.9M |
| Q2 2025 | 14.41% | 14.41% | 15.48% | 9.93% | $74.2M |
| Q3 2025 | 14.31% | 14.31% | 15.38% | 9.94% | $77.3M |
| Q4 2025 | 14.21% | 14.21% | 15.17% | 9.72% | $88.5M |
| Q1 2026 | 14.49% | 14.49% | 15.49% | 9.76% | $88.3M |
| Q2 2026 | 14.76% | 14.76% | 15.81% | 9.96% | $88.2M |
Bendena State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bendena 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 Bendena State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17410) · FFIEC NIC profile (RSSD 1008151)