Cornerstone 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.
Retained earnings climbed 11.1% in Q2 2026, from $7.7M to $8.6M. It was the largest change from Q1 2026 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 | 10.60% |
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 | $26.6M |
| Tier 1 capital | $26.6M |
| Total risk-based capital | — |
| Total equity capital | $19.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.08% |
| Tangible equity to tangible assets | 8.08% |
| Equity capital to average assets | 7.95% |
| Internal capital growth rate | 18.41% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $812K |
| Common stock surplus | $17.2M |
| Retained earnings | $8.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.6M |
| 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 | 10.08% | 4.33% | 4.29% |
| Q4 2023 | 10.17% | 6.28% | 6.25% |
| Q1 2024 | 9.93% | 5.83% | 5.81% |
| Q2 2024 | 9.98% | 5.77% | 5.75% |
| Q3 2024 | 9.99% | 6.89% | 6.87% |
| Q4 2024 | 10.09% | 6.06% | 6.04% |
| Q1 2025 | 9.97% | 6.44% | 6.43% |
| Q2 2025 | 10.07% | 6.92% | 6.91% |
| Q3 2025 | 10.28% | 7.59% | 7.59% |
| Q4 2025 | 10.32% | 7.87% | 7.87% |
| Q1 2026 | 10.34% | 7.63% | 7.63% |
| Q2 2026 | 10.60% | 8.08% | 8.08% |
Cornerstone State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Cornerstone 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 Cornerstone State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21525) · FFIEC NIC profile (RSSD 914853)