Chelsea 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%.
Accumulated other comprehensive income climbed 16.7% in Q2 2026, from -$6.1M to -$5.0M. It was the largest change from Q1 2026 among the key lines here. Within Michigan, Chelsea State Bank is 9th of 43 on CET1 ratio, 19.50% as of Q2 2026, above the middle of the field. Chelsea State Bank reported 19.50% on CET1 ratio for Q2 2026, 4.43 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.50% |
| Tier 1 risk-based capital ratio | 19.50% |
| Total risk-based capital ratio | 20.76% |
| Tier 1 leverage ratio | 12.76% |
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 | $53.1M |
| Tier 1 capital | $53.1M |
| Total risk-based capital | $56.5M |
| Total equity capital | $48.1M |
| Risk-weighted assets | $272.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.54% |
| Tangible equity to tangible assets | 11.54% |
| Equity capital to average assets | 11.55% |
| Internal capital growth rate | 10.57% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.2M |
| Common stock surplus | $16.8M |
| Retained earnings | $33.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.0M |
| 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 | 18.36% | 18.36% | 19.62% | 11.43% | $262.5M |
| Q4 2023 | 17.60% | 17.60% | 18.85% | 11.48% | $270.7M |
| Q1 2024 | 17.55% | 17.55% | 18.80% | 11.44% | $275.1M |
| Q2 2024 | 17.61% | 17.61% | 18.86% | 12.01% | $279.1M |
| Q3 2024 | 18.14% | 18.14% | 19.40% | 12.66% | $281.4M |
| Q4 2024 | 17.53% | 17.53% | 18.78% | 12.51% | $289.3M |
| Q1 2025 | 18.09% | 18.09% | 19.35% | 12.46% | $286.5M |
| Q2 2025 | 18.62% | 18.62% | 19.87% | 12.72% | $283.4M |
| Q3 2025 | 19.23% | 19.23% | 20.48% | 12.87% | $279.1M |
| Q4 2025 | 19.38% | 19.38% | 20.63% | 12.68% | $274.9M |
| Q1 2026 | 18.70% | 18.70% | 19.95% | 12.17% | $277.6M |
| Q2 2026 | 19.50% | 19.50% | 20.76% | 12.76% | $272.3M |
Chelsea State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Chelsea 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 Chelsea State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14009) · FFIEC NIC profile (RSSD 711548)