Commercial 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 largest change between Q2 2026 and Q3 2026 was in Retained earnings, which rose 3.2% to $21.9M.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.81% |
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 | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $25.9M |
| Tier 1 capital | $25.9M |
| Total risk-based capital | — |
| Total equity capital | $25.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 9.69% |
| Tangible equity to tangible assets | 9.69% |
| Equity capital to average assets | 9.58% |
| Internal capital growth rate | 11.08% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $3.8M |
| Retained earnings | $21.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$596K |
| 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 |
|---|---|---|---|
| Q4 2023 | 9.22% | 8.82% | 8.82% |
| Q1 2024 | 9.07% | 8.78% | 8.78% |
| Q2 2024 | 8.95% | 8.63% | 8.63% |
| Q3 2024 | 8.90% | 8.51% | 8.51% |
| Q4 2024 | 9.11% | 9.14% | 9.14% |
| Q1 2025 | 9.48% | 9.30% | 9.30% |
| Q2 2025 | 9.45% | 9.21% | 9.21% |
| Q3 2025 | 9.40% | 9.24% | 9.24% |
| Q4 2025 | 9.60% | 9.75% | 9.75% |
| Q1 2026 | 9.82% | 9.69% | 9.69% |
| Q2 2026 | 9.64% | 9.44% | 9.44% |
| Q3 2026 | 9.81% | 9.69% | 9.69% |
Commercial State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial 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 Commercial State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13819) · FFIEC NIC profile (RSSD 479754)