The Bennington 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 standout move of Q2 2026 was in Accumulated other comprehensive income: 14.8% lower than in Q1 2026, at -$12.2M. Within Kansas, The Bennington State Bank is 50th of 85 on CET1 ratio, 13.85% as of Q2 2026, below the middle of the field. At 13.85%, The Bennington State Bank's CET1 ratio is close to the 13.48% median for banks in the $1B-10B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.85% |
| Tier 1 risk-based capital ratio | 13.85% |
| Total risk-based capital ratio | 15.11% |
| Tier 1 leverage ratio | 9.51% |
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 | $130.9M |
| Tier 1 capital | $130.9M |
| Total risk-based capital | $142.8M |
| Total equity capital | $130.5M |
| Risk-weighted assets | $945.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.20% |
| Tangible equity to tangible assets | 8.43% |
| Equity capital to average assets | 9.40% |
| Internal capital growth rate | 14.37% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.9M |
| Common stock surplus | $3.9M |
| Retained earnings | $134.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.2M |
| 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 | 15.82% | 15.82% | 17.09% | 10.97% | $714.4M |
| Q4 2023 | 15.70% | 15.70% | 16.97% | 10.90% | $712.4M |
| Q1 2024 | 16.20% | 16.20% | 17.47% | 11.38% | $702.0M |
| Q2 2024 | 16.94% | 16.94% | 18.21% | 11.75% | $688.6M |
| Q3 2024 | 17.22% | 17.22% | 18.49% | 11.93% | $678.5M |
| Q4 2024 | 15.12% | 15.12% | 16.38% | 10.34% | $783.3M |
| Q1 2025 | 14.72% | 14.72% | 15.99% | 10.81% | $820.8M |
| Q2 2025 | 15.44% | 15.44% | 16.71% | 11.24% | $806.8M |
| Q3 2025 | 15.76% | 15.76% | 17.03% | 11.46% | $812.6M |
| Q4 2025 | 14.79% | 14.79% | 16.05% | 10.87% | $862.4M |
| Q1 2026 | 15.34% | 15.34% | 16.60% | 10.83% | $853.5M |
| Q2 2026 | 13.85% | 13.85% | 15.11% | 9.51% | $945.5M |
The Bennington State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bennington 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 Bennington State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16402) · FFIEC NIC profile (RSSD 1016259)