CB&S Bank, Inc.: 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: 23.2% higher than in Q1 2026, at $188.3M.
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 | 10.42% |
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 | $331.0M |
| Tier 1 capital | $331.0M |
| Total risk-based capital | — |
| Total equity capital | $188.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.13% |
| Tangible equity to tangible assets | 5.05% |
| Equity capital to average assets | 5.86% |
| Internal capital growth rate | 11.19% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $60K |
| Common stock surplus | $150.5M |
| Retained earnings | $215.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$177.7M |
| 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 | 10.86% | 2.53% | 1.47% |
| Q4 2023 | 10.92% | 5.20% | 4.19% |
| Q1 2024 | 10.72% | 4.78% | 3.81% |
| Q2 2024 | 10.90% | 4.80% | 3.82% |
| Q3 2024 | 10.98% | 6.11% | 5.17% |
| Q4 2024 | 11.13% | 4.93% | 3.98% |
| Q1 2025 | 10.94% | 5.28% | 4.37% |
| Q2 2025 | 10.75% | 5.00% | 4.10% |
| Q3 2025 | 10.87% | 5.83% | 4.95% |
| Q4 2025 | 10.96% | 6.19% | 5.32% |
| Q1 2026 | 10.22% | 5.20% | 4.35% |
| Q2 2026 | 10.42% | 6.13% | 5.05% |
CB&S Bank, Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock CB&S Bank, Inc., 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 CB&S Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15310) · FFIEC NIC profile (RSSD 594433)