Community 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.
Equity capital to average assets fell 0.39 percentage points from Q1 2026 to Q2 2026, ending at 7.49% against 7.88%. It was the largest change among the key lines on this page. Within Oklahoma, Community State Bank is 11th of 71 on CET1 ratio, 20.40% as of Q2 2026. At 20.40%, Community State Bank's CET1 ratio is close to the 19.96% median for banks in the < $100M asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.40% |
| Tier 1 risk-based capital ratio | 20.40% |
| Total risk-based capital ratio | 21.65% |
| Tier 1 leverage ratio | 7.49% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $6.8M |
| Tier 1 capital | $6.8M |
| Total risk-based capital | $7.2M |
| Total equity capital | $6.8M |
| Risk-weighted assets | $33.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.56% |
| Tangible equity to tangible assets | 7.56% |
| Equity capital to average assets | 7.49% |
| Internal capital growth rate | 5.01% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $1.9M |
| Retained earnings | $4.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 19.85% | 19.85% | 21.09% | 7.30% | $32.4M |
| Q4 2023 | 19.94% | 19.94% | 21.18% | 7.35% | $32.4M |
| Q1 2024 | 20.15% | 20.15% | 21.40% | 7.39% | $32.1M |
| Q2 2024 | 19.97% | 19.97% | 21.22% | 7.48% | $32.8M |
| Q3 2024 | 20.43% | 20.43% | 21.69% | 7.95% | $32.8M |
| Q4 2024 | 20.21% | 20.21% | 21.47% | 7.87% | $32.5M |
| Q1 2025 | 20.43% | 20.43% | 21.68% | 7.91% | $32.3M |
| Q2 2025 | 19.70% | 19.70% | 20.96% | 7.79% | $33.8M |
| Q3 2025 | 19.56% | 19.56% | 20.81% | 7.99% | $34.1M |
| Q4 2025 | 20.38% | 20.38% | 21.64% | 8.28% | $32.7M |
| Q1 2026 | 19.82% | 19.82% | 21.08% | 7.88% | $33.8M |
| Q2 2026 | 20.40% | 20.40% | 21.65% | 7.49% | $33.3M |
Community State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community 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 Community State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27201) · FFIEC NIC profile (RSSD 1176920)