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%.
The largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 6.3% to $104.2M. Community State Bank ranks 8th of 50 Indiana banks on CET1 ratio, in the upper half at 16.81% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Community State Bank sits 1.74 points higher, at 16.81% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.81% |
| Tier 1 risk-based capital ratio | 16.81% |
| Total risk-based capital ratio | 17.83% |
| Tier 1 leverage ratio | 10.48% |
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 | $17.5M |
| Tier 1 capital | $17.5M |
| Total risk-based capital | $18.6M |
| Total equity capital | $14.2M |
| Risk-weighted assets | $104.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.05% |
| Tangible equity to tangible assets | 7.82% |
| Equity capital to average assets | 8.44% |
| Internal capital growth rate | -3.27% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $2.2M |
| Retained earnings | $15.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.8M |
| 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 | 17.55% | 17.55% | 18.79% | 10.08% | $94.4M |
| Q4 2023 | 16.71% | 16.71% | 17.95% | 10.01% | $98.2M |
| Q1 2024 | 16.80% | 16.80% | 18.05% | 9.95% | $98.8M |
| Q2 2024 | 16.59% | 16.59% | 17.82% | 9.86% | $100.0M |
| Q3 2024 | 17.08% | 17.08% | 18.33% | 9.81% | $98.3M |
| Q4 2024 | 16.47% | 16.47% | 17.67% | 9.62% | $101.7M |
| Q1 2025 | 17.32% | 17.32% | 18.56% | 9.78% | $98.3M |
| Q2 2025 | 17.16% | 17.16% | 18.38% | 10.05% | $99.5M |
| Q3 2025 | 17.49% | 17.49% | 18.72% | 10.29% | $99.2M |
| Q4 2025 | 17.45% | 17.45% | 18.69% | 10.17% | $99.3M |
| Q1 2026 | 17.98% | 17.98% | 19.06% | 10.50% | $98.1M |
| Q2 2026 | 16.81% | 16.81% | 17.83% | 10.48% | $104.2M |
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 1839) · FFIEC NIC profile (RSSD 987848)