City 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 14.4% higher than in Q1 2026, at -$1.3M.
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 | 9.37% |
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 | $75.2M |
| Tier 1 capital | $75.2M |
| Total risk-based capital | — |
| Total equity capital | $74.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.49% |
| Tangible equity to tangible assets | 9.39% |
| Equity capital to average assets | 9.30% |
| Internal capital growth rate | -1.94% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $554K |
| Common stock surplus | $8.5M |
| Retained earnings | $67.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.3M |
| 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 | 11.14% | 11.14% | 12.12% | 8.73% | $538.8M |
| Q4 2023 | 11.48% | 11.48% | 12.46% | 8.74% | $533.0M |
| Q1 2024 | 11.44% | 11.44% | 12.43% | 8.70% | $543.5M |
| Q2 2024 | 11.39% | 11.39% | 12.38% | 8.80% | $557.5M |
| Q3 2024 | 11.38% | 11.38% | 12.37% | 8.94% | $570.1M |
| Q4 2024 | 11.48% | 11.48% | 12.47% | 8.84% | $579.0M |
| Q1 2025 | 11.88% | 11.88% | 12.96% | 8.98% | $570.1M |
| Q2 2025 | 11.99% | 11.99% | 13.24% | 9.21% | $582.4M |
| Q3 2025 | — | — | — | 9.59% | — |
| Q4 2025 | — | — | — | 9.39% | — |
| Q1 2026 | — | — | — | 9.60% | — |
| Q2 2026 | — | — | — | 9.37% | — |
City State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock City 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 City State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14410) · FFIEC NIC profile (RSSD 252041)