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.
Compared with Q1 2026, Equity capital to total assets rose 0.73 percentage points in Q2 2026 to 12.38%, the biggest move on this page. Community State Bank ranks 23rd of 34 Colorado banks on CET1 ratio, in the lower half at 14.16% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Community State Bank sits 0.93 points lower, at 14.16% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.16% |
| Tier 1 risk-based capital ratio | 14.16% |
| Total risk-based capital ratio | 15.42% |
| Tier 1 leverage ratio | 12.54% |
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 | $26.0M |
| Tier 1 capital | $26.0M |
| Total risk-based capital | $28.4M |
| Total equity capital | $25.8M |
| Risk-weighted assets | $183.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.38% |
| Tangible equity to tangible assets | 12.38% |
| Equity capital to average assets | 12.41% |
| Internal capital growth rate | 16.92% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.0M |
| Common stock surplus | $4.0M |
| Retained earnings | $18.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$271K |
| 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 | 15.64% | 15.64% | 16.90% | 13.60% | $142.2M |
| Q4 2023 | 16.03% | 16.03% | 17.29% | 14.14% | $144.6M |
| Q1 2024 | 15.34% | 15.34% | 16.60% | 13.07% | $143.2M |
| Q2 2024 | 15.29% | 15.29% | 16.56% | 13.79% | $150.0M |
| Q3 2024 | 15.16% | 15.16% | 16.43% | 13.63% | $157.0M |
| Q4 2024 | 14.61% | 14.61% | 15.87% | 13.31% | $169.0M |
| Q1 2025 | 14.00% | 14.00% | 15.26% | 12.53% | $167.8M |
| Q2 2025 | 14.27% | 14.27% | 15.53% | 12.56% | $172.0M |
| Q3 2025 | 14.72% | 14.72% | 15.98% | 12.65% | $173.9M |
| Q4 2025 | 15.11% | 15.11% | 16.37% | 13.00% | $175.6M |
| Q1 2026 | 13.89% | 13.89% | 15.15% | 12.26% | $180.0M |
| Q2 2026 | 14.16% | 14.16% | 15.42% | 12.54% | $183.9M |
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 58732) · FFIEC NIC profile (RSSD 3617856)