Cleo 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%.
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.
The standout move of Q2 2026 was in Equity capital to total assets: 0.87 percentage points lower than in Q1 2026, at 15.11%.
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 | 16.43% |
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 | $19.9M |
| Tier 1 capital | $19.9M |
| Total risk-based capital | — |
| Total equity capital | $18.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.11% |
| Tangible equity to tangible assets | 15.11% |
| Equity capital to average assets | 15.31% |
| Internal capital growth rate | 9.46% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $3.3M |
| Retained earnings | $16.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.4M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 15.60% | 12.65% | 12.65% |
| Q4 2023 | 15.83% | 13.90% | 13.90% |
| Q1 2024 | 15.59% | 13.26% | 13.26% |
| Q2 2024 | 15.55% | 13.43% | 13.43% |
| Q3 2024 | 15.83% | 14.64% | 14.64% |
| Q4 2024 | 16.39% | 14.66% | 14.66% |
| Q1 2025 | 16.52% | 15.19% | 15.19% |
| Q2 2025 | 16.71% | 15.43% | 15.43% |
| Q3 2025 | 16.86% | 16.06% | 16.06% |
| Q4 2025 | 16.90% | 16.09% | 16.09% |
| Q1 2026 | 16.75% | 15.97% | 15.97% |
| Q2 2026 | 16.43% | 15.11% | 15.11% |
Cleo State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Cleo 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 Cleo State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 406) · FFIEC NIC profile (RSSD 155759)