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 fell 0.70 percentage points in Q2 2026 to 9.32%, the biggest move 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 | 9.41% |
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 | $39.7M |
| Tier 1 capital | $39.7M |
| Total risk-based capital | — |
| Total equity capital | $41.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.32% |
| Tangible equity to tangible assets | 8.86% |
| Equity capital to average assets | 9.70% |
| Internal capital growth rate | 6.84% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $16.5M |
| Retained earnings | $24.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$784K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 9.23% | 9.43% | 8.71% |
| Q4 2023 | 9.34% | 9.72% | 9.02% |
| Q1 2024 | 9.29% | 9.73% | 9.05% |
| Q2 2024 | 9.46% | 9.67% | 9.01% |
| Q3 2024 | 9.84% | 10.15% | 9.52% |
| Q4 2024 | 9.87% | 10.27% | 9.66% |
| Q1 2025 | 9.97% | 10.35% | 9.75% |
| Q2 2025 | 10.19% | 10.45% | 9.87% |
| Q3 2025 | 10.14% | 10.53% | 9.98% |
| Q4 2025 | 10.19% | 10.37% | 9.83% |
| Q1 2026 | 9.85% | 10.02% | 9.51% |
| Q2 2026 | 9.41% | 9.32% | 8.86% |
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 23257) · FFIEC NIC profile (RSSD 987231)