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.
The standout move of Q2 2026 was in Total risk-based capital ratio: 2.51 percentage points higher than in Q1 2026, at 40.18%. On CET1 ratio, Community State Bank ranks 2nd highest among the 114 banks headquartered in Iowa, at 39.93% (Q2 2026). Community State Bank's CET1 ratio of 39.93% is well above the 19.96% median for banks in the < $100M asset tier, a gap of 19.97 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 39.93% |
| Tier 1 risk-based capital ratio | 39.93% |
| Total risk-based capital ratio | 40.18% |
| Tier 1 leverage ratio | 20.23% |
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 | $8.5M |
| Tier 1 capital | $8.5M |
| Total risk-based capital | $8.5M |
| Total equity capital | $7.8M |
| Risk-weighted assets | $21.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 18.78% |
| Tangible equity to tangible assets | 18.78% |
| Equity capital to average assets | 18.61% |
| Internal capital growth rate | 4.78% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $120K |
| Common stock surplus | $1.1M |
| Retained earnings | $7.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$677K |
| 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 | 33.52% | 33.52% | 34.78% | 17.37% | $24.0M |
| Q4 2023 | 30.61% | 30.61% | 31.86% | 17.81% | $26.3M |
| Q1 2024 | 32.87% | 32.87% | 34.13% | 17.83% | $24.6M |
| Q2 2024 | 33.46% | 33.46% | 34.72% | 18.92% | $24.5M |
| Q3 2024 | 34.96% | 34.96% | 36.23% | 19.24% | $23.6M |
| Q4 2024 | 33.54% | 33.54% | 34.80% | 19.54% | $24.5M |
| Q1 2025 | 36.49% | 36.49% | 37.75% | 19.63% | $22.6M |
| Q2 2025 | 38.02% | 38.02% | 39.28% | 19.99% | $22.0M |
| Q3 2025 | 38.22% | 38.22% | 38.42% | 19.96% | $21.8M |
| Q4 2025 | 35.19% | 35.19% | 35.38% | 19.40% | $23.7M |
| Q1 2026 | 37.47% | 37.47% | 37.67% | 19.74% | $22.3M |
| Q2 2026 | 39.93% | 39.93% | 40.18% | 20.23% | $21.2M |
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 17551) · FFIEC NIC profile (RSSD 92144)