Carmine 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 Total equity capital: 17.7% higher than in Q1 2026, at $9.3M.
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 | 10.00% |
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 | $15.6M |
| Tier 1 capital | $15.6M |
| Total risk-based capital | — |
| Total equity capital | $9.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.23% |
| Tangible equity to tangible assets | 6.23% |
| Equity capital to average assets | 5.93% |
| Internal capital growth rate | 15.44% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $800K |
| Retained earnings | $14.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.4M |
| 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 | 11.55% | 3.15% | 3.15% |
| Q4 2023 | 11.62% | 5.79% | 5.79% |
| Q1 2024 | 11.24% | 5.37% | 5.37% |
| Q2 2024 | 11.32% | 5.43% | 5.43% |
| Q3 2024 | 11.30% | 6.05% | 6.05% |
| Q4 2024 | 10.37% | 4.96% | 4.96% |
| Q1 2025 | 10.45% | 4.75% | 4.75% |
| Q2 2025 | 10.26% | 4.72% | 4.72% |
| Q3 2025 | 10.06% | 5.39% | 5.39% |
| Q4 2025 | 9.47% | 5.81% | 5.81% |
| Q1 2026 | 9.69% | 5.42% | 5.42% |
| Q2 2026 | 10.00% | 6.23% | 6.23% |
Carmine State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Carmine 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 Carmine State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19278) · FFIEC NIC profile (RSSD 732954)