Chillicothe 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%.
Total risk-based capital ratio dropped 2.77 percentage points in Q2 2026, from 21.13% to 18.36%. It was the largest change from Q1 2026 among the key lines here. Chillicothe State Bank ranks 23rd of 98 Missouri banks on CET1 ratio, in the upper half at 17.10% (Q2 2026). Chillicothe State Bank reported 17.10% on CET1 ratio for Q2 2026, 2.03 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 | 17.10% |
| Tier 1 risk-based capital ratio | 17.10% |
| Total risk-based capital ratio | 18.36% |
| Tier 1 leverage ratio | 7.89% |
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 | $10.8M |
| Tier 1 capital | $10.8M |
| Total risk-based capital | $11.6M |
| Total equity capital | $11.6M |
| Risk-weighted assets | $63.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.58% |
| Tangible equity to tangible assets | 8.58% |
| Equity capital to average assets | 8.45% |
| Internal capital growth rate | 10.61% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $600K |
| Retained earnings | $11.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$770K |
| 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 | 20.89% | 20.89% | 22.15% | 9.30% | $62.4M |
| Q4 2023 | 21.49% | 21.49% | 22.75% | 9.05% | $59.8M |
| Q1 2024 | 20.64% | 20.64% | 21.90% | 8.79% | $61.1M |
| Q2 2024 | 21.46% | 21.46% | 22.72% | 9.33% | $60.4M |
| Q3 2024 | 19.53% | 19.53% | 20.79% | 8.63% | $60.2M |
| Q4 2024 | 20.29% | 20.29% | 21.55% | 8.71% | $59.4M |
| Q1 2025 | 20.31% | 20.31% | 21.57% | 8.75% | $59.1M |
| Q2 2025 | 20.15% | 20.15% | 21.40% | 9.31% | $62.7M |
| Q3 2025 | 19.04% | 19.04% | 20.29% | 8.75% | $62.0M |
| Q4 2025 | 19.45% | 19.45% | 20.71% | 8.48% | $59.8M |
| Q1 2026 | 19.87% | 19.87% | 21.13% | 8.69% | $60.7M |
| Q2 2026 | 17.10% | 17.10% | 18.36% | 7.89% | $63.3M |
Chillicothe State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Chillicothe 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 Chillicothe State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15546) · FFIEC NIC profile (RSSD 504142)