The Cleveland 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 Retained earnings: 8.2% higher than in Q1 2026, at $11.1M.
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 | 11.18% |
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 | $37.9M |
| Tier 1 capital | $37.9M |
| Total risk-based capital | — |
| Total equity capital | $25.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.51% |
| Tangible equity to tangible assets | 7.51% |
| Equity capital to average assets | 7.54% |
| Internal capital growth rate | 14.32% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $25.6M |
| Retained earnings | $11.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.4M |
| 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 | 11.50% | 4.95% | 4.95% |
| Q4 2023 | 10.89% | 5.45% | 5.45% |
| Q1 2024 | 10.70% | 5.42% | 5.42% |
| Q2 2024 | 10.93% | 5.76% | 5.76% |
| Q3 2024 | 11.26% | 6.59% | 6.59% |
| Q4 2024 | 11.02% | 5.74% | 5.74% |
| Q1 2025 | 10.95% | 6.12% | 6.12% |
| Q2 2025 | 10.76% | 6.38% | 6.38% |
| Q3 2025 | 11.46% | 7.15% | 7.15% |
| Q4 2025 | 11.09% | 6.96% | 6.96% |
| Q1 2026 | 10.99% | 6.85% | 6.85% |
| Q2 2026 | 11.18% | 7.51% | 7.51% |
The Cleveland State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Cleveland 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 Cleveland State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12201) · FFIEC NIC profile (RSSD 12142)