Cfsbank: 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, Risk-weighted assets rose 3.3% in Q2 2026 to $425.6M, the biggest move on this page. Cfsbank ranks 18th of 72 Pennsylvania banks on CET1 ratio, in the upper half at 19.55% (Q2 2026). Cfsbank reported 19.55% on CET1 ratio for Q2 2026, 4.46 points above the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.55% |
| Tier 1 risk-based capital ratio | 19.55% |
| Total risk-based capital ratio | 20.10% |
| Tier 1 leverage ratio | 10.96% |
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 | $83.2M |
| Tier 1 capital | $83.2M |
| Total risk-based capital | $85.6M |
| Total equity capital | $75.4M |
| Risk-weighted assets | $425.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.75% |
| Tangible equity to tangible assets | 9.73% |
| Equity capital to average assets | 9.89% |
| Internal capital growth rate | 2.76% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $0 |
| Retained earnings | $84.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.6M |
| 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 | 23.34% | 23.34% | 24.03% | 12.67% | $344.6M |
| Q4 2023 | 23.24% | 23.24% | 23.94% | 12.44% | $349.3M |
| Q1 2024 | 22.97% | 22.97% | 23.72% | 12.59% | $354.3M |
| Q2 2024 | 22.20% | 22.20% | 22.92% | 12.39% | $365.4M |
| Q3 2024 | 21.88% | 21.88% | 22.59% | 11.83% | $371.2M |
| Q4 2024 | 21.51% | 21.51% | 22.21% | 10.95% | $375.9M |
| Q1 2025 | 21.02% | 21.02% | 21.69% | 10.93% | $386.2M |
| Q2 2025 | 20.96% | 20.96% | 21.63% | 10.00% | $390.0M |
| Q3 2025 | 20.52% | 20.52% | 21.17% | 10.25% | $400.3M |
| Q4 2025 | 20.47% | 20.47% | 21.05% | 10.99% | $402.5M |
| Q1 2026 | 20.07% | 20.07% | 20.63% | 11.14% | $411.9M |
| Q2 2026 | 19.55% | 19.55% | 20.10% | 10.96% | $425.6M |
Cfsbank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Cfsbank, 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 Cfsbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29672) · FFIEC NIC profile (RSSD 100777)