The 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%.
In Q2 2026, Accumulated other comprehensive income edged up by 2.5%, from -$8.2M to -$8.0M, the largest move among the key lines here.
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 | 9.05% |
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 | $35.7M |
| Tier 1 capital | $35.7M |
| Total risk-based capital | — |
| Total equity capital | $28.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.22% |
| Tangible equity to tangible assets | 7.07% |
| Equity capital to average assets | 7.18% |
| Internal capital growth rate | 1.57% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $853K |
| Common stock surplus | $4.0M |
| Retained earnings | $31.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.0M |
| 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 | 12.56% | 12.56% | 13.82% | 9.31% | $247.7M |
| Q4 2023 | 12.44% | 12.44% | 13.69% | 9.54% | $253.4M |
| Q1 2024 | 12.65% | 12.65% | 13.90% | 9.05% | $255.8M |
| Q2 2024 | 12.43% | 12.43% | 13.69% | 8.89% | $257.8M |
| Q3 2024 | 12.76% | 12.76% | 14.01% | 9.24% | $254.9M |
| Q4 2024 | 12.88% | 12.88% | 14.13% | 9.40% | $255.6M |
| Q1 2025 | 12.80% | 12.80% | 14.05% | 9.18% | $263.9M |
| Q2 2025 | 12.80% | 12.80% | 14.06% | 9.29% | $264.2M |
| Q3 2025 | 12.75% | 12.75% | 14.00% | 9.34% | $266.9M |
| Q4 2025 | 12.56% | 12.56% | 13.81% | 9.38% | $277.0M |
| Q1 2026 | 12.78% | 12.78% | 14.03% | 9.14% | $278.4M |
| Q2 2026 | — | — | — | 9.05% | — |
The Community State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Community State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20279) · FFIEC NIC profile (RSSD 706254)