The 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%.
Compared with Q1 2026, Equity capital to average assets fell 0.31 percentage points in Q2 2026 to 7.94%, the biggest move on this page.
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 | 8.92% |
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 | $5.3M |
| Tier 1 capital | $5.3M |
| Total risk-based capital | — |
| Total equity capital | $4.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.17% |
| Tangible equity to tangible assets | 8.17% |
| Equity capital to average assets | 7.94% |
| Internal capital growth rate | 8.30% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $200K |
| Retained earnings | $5.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$581K |
| 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 | 14.73% | 14.73% | 15.82% | 8.81% | $31.3M |
| Q4 2023 | 15.18% | 15.18% | 16.29% | 8.89% | $30.7M |
| Q1 2024 | 15.15% | 15.15% | 16.25% | 8.94% | $31.3M |
| Q2 2024 | — | — | — | 9.10% | — |
| Q3 2024 | — | — | — | 9.18% | — |
| Q4 2024 | — | — | — | 9.26% | — |
| Q1 2025 | — | — | — | 9.16% | — |
| Q2 2025 | — | — | — | 9.27% | — |
| Q3 2025 | — | — | — | 9.46% | — |
| Q4 2025 | — | — | — | 9.51% | — |
| Q1 2026 | — | — | — | 9.37% | — |
| Q2 2026 | — | — | — | 8.92% | — |
The City State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The City State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17607) · FFIEC NIC profile (RSSD 738657)