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%.
Compared with Q1 2026, Equity capital to total assets fell 0.30 percentage points in Q2 2026 to 8.91%, the biggest move on this page. Community State Bank ranks 23rd of 50 Indiana banks on CET1 ratio, in the upper half at 13.34% (Q2 2026). Community State Bank reported 13.34% on CET1 ratio for Q2 2026, 1.75 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.34% |
| Tier 1 risk-based capital ratio | 13.34% |
| Total risk-based capital ratio | 14.59% |
| Tier 1 leverage ratio | 9.51% |
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 | $53.8M |
| Tier 1 capital | $53.8M |
| Total risk-based capital | $58.9M |
| Total equity capital | $49.3M |
| Risk-weighted assets | $403.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.91% |
| Tangible equity to tangible assets | 8.91% |
| Equity capital to average assets | 8.71% |
| Internal capital growth rate | 9.66% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $5.0M |
| Retained earnings | $48.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.5M |
| 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 | 12.05% | 12.05% | 13.28% | 8.94% | $337.8M |
| Q4 2023 | 11.67% | 11.67% | 12.86% | 8.72% | $355.4M |
| Q1 2024 | 11.39% | 11.39% | 12.57% | 9.26% | $376.6M |
| Q2 2024 | 12.24% | 12.24% | 13.41% | 9.54% | $382.9M |
| Q3 2024 | 12.62% | 12.62% | 13.79% | 9.93% | $382.2M |
| Q4 2024 | 12.13% | 12.13% | 13.29% | 9.42% | $401.6M |
| Q1 2025 | 12.29% | 12.29% | 13.41% | 9.56% | $403.0M |
| Q2 2025 | 12.84% | 12.84% | 13.99% | 9.87% | $394.4M |
| Q3 2025 | 12.88% | 12.88% | 14.06% | 10.33% | $398.7M |
| Q4 2025 | 13.47% | 13.47% | 14.72% | 9.21% | $387.7M |
| Q1 2026 | 13.24% | 13.24% | 14.50% | 9.62% | $397.6M |
| Q2 2026 | 13.34% | 13.34% | 14.59% | 9.51% | $403.6M |
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 14883) · FFIEC NIC profile (RSSD 502746)