Central 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Compared with Q1 2026, Equity capital to total assets rose 0.45 percentage points in Q2 2026 to 9.88%, the biggest move on this page. Central State Bank ranks 48th of 114 Iowa banks on CET1 ratio, in the upper half at 14.42% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Central State Bank sits 0.66 points lower, at 14.42% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.42% |
| Tier 1 risk-based capital ratio | 14.42% |
| Total risk-based capital ratio | 15.68% |
| Tier 1 leverage ratio | 10.27% |
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 | $42.8M |
| Tier 1 capital | $42.8M |
| Total risk-based capital | $46.5M |
| Total equity capital | $41.5M |
| Risk-weighted assets | $296.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.88% |
| Tangible equity to tangible assets | 8.79% |
| Equity capital to average assets | 9.84% |
| Internal capital growth rate | -5.45% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $800K |
| Common stock surplus | $21.2M |
| Retained earnings | $25.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.3M |
| 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 | 10.94% | 10.94% | 12.19% | 8.87% | $364.0M |
| Q4 2023 | 11.04% | 11.04% | 12.29% | 8.79% | $364.2M |
| Q1 2024 | 11.19% | 11.19% | 12.45% | 8.85% | $363.3M |
| Q2 2024 | 11.22% | 11.22% | 12.47% | 8.83% | $363.1M |
| Q3 2024 | 11.42% | 11.42% | 12.67% | 8.87% | $359.7M |
| Q4 2024 | 11.94% | 11.94% | 13.19% | 9.01% | $347.1M |
| Q1 2025 | 12.48% | 12.48% | 13.73% | 9.39% | $339.9M |
| Q2 2025 | 12.75% | 12.75% | 14.00% | 9.68% | $336.1M |
| Q3 2025 | 13.29% | 13.29% | 14.55% | 9.91% | $328.5M |
| Q4 2025 | 12.92% | 12.92% | 14.17% | 9.72% | $327.2M |
| Q1 2026 | 14.30% | 14.30% | 15.55% | 10.20% | $302.8M |
| Q2 2026 | 14.42% | 14.42% | 15.68% | 10.27% | $296.5M |
Central State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Central 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 Central State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1550) · FFIEC NIC profile (RSSD 678744)