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%.
Retained earnings rose 4.5% from Q1 2026 to Q2 2026, ending at $3.0M against $2.8M. It was the largest change among the key lines on this page.
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 | 9.98% |
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 | $8.8M |
| Tier 1 capital | $8.8M |
| Total risk-based capital | — |
| Total equity capital | $9.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.18% |
| Tangible equity to tangible assets | 9.80% |
| Equity capital to average assets | 10.35% |
| Internal capital growth rate | 5.72% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $6.1M |
| Retained earnings | $3.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8K |
| 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 | — | — | — | 16.54% | — |
| Q4 2023 | 19.24% | 19.24% | 20.30% | 15.26% | $29.3M |
| Q1 2024 | 16.26% | 16.26% | 17.22% | 14.33% | $34.9M |
| Q2 2024 | — | — | — | 12.93% | — |
| Q3 2024 | 19.62% | 19.62% | 20.58% | 16.42% | $42.0M |
| Q4 2024 | 16.84% | 16.84% | 17.74% | 14.74% | $49.3M |
| Q1 2025 | 14.36% | 14.36% | 15.19% | 12.89% | $57.5M |
| Q2 2025 | — | — | — | 11.44% | — |
| Q3 2025 | — | — | — | 10.78% | — |
| Q4 2025 | — | — | — | 10.47% | — |
| Q1 2026 | — | — | — | 10.20% | — |
| Q2 2026 | — | — | — | 9.98% | — |
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 5619) · FFIEC NIC profile (RSSD 378044)