Country Trust 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%.
Common equity tier 1 ratio climbed 9.19 percentage points in Q2 2026, from 105.82% to 115.01%. It was the largest change from Q1 2026 among the key lines here. On CET1 ratio, Country Trust Bank ranks 2nd highest among the 198 banks headquartered in Illinois, at 115.01% (Q2 2026). Against a median of 19.50% for banks in the < $100M asset tier, Country Trust Bank reported 115.01% on CET1 ratio in Q2 2026, 95.51 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 115.01% |
| Tier 1 risk-based capital ratio | 115.01% |
| Total risk-based capital ratio | 115.01% |
| Tier 1 leverage ratio | 78.65% |
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 | $36.6M |
| Tier 1 capital | $36.6M |
| Total risk-based capital | $36.6M |
| Total equity capital | $36.2M |
| Risk-weighted assets | $31.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 85.65% |
| Tangible equity to tangible assets | 85.65% |
| Equity capital to average assets | 77.89% |
| Internal capital growth rate | 36.16% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $75K |
| Retained earnings | $36.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$354K |
| 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 | 115.76% | 115.76% | 115.77% | 101.00% | $27.2M |
| Q4 2023 | 119.46% | 119.46% | 119.47% | 101.28% | $25.7M |
| Q1 2024 | 112.24% | 112.24% | 112.24% | 100.10% | $27.2M |
| Q2 2024 | 117.02% | 117.02% | 117.02% | 90.94% | $27.3M |
| Q3 2024 | 118.37% | 118.37% | 118.37% | 88.31% | $27.1M |
| Q4 2024 | 108.75% | 108.75% | 108.75% | 79.31% | $28.9M |
| Q1 2025 | 100.48% | 100.48% | 100.48% | 77.82% | $32.9M |
| Q2 2025 | 98.69% | 98.69% | 98.69% | 73.26% | $33.6M |
| Q3 2025 | 104.65% | 104.65% | 104.65% | 73.12% | $30.7M |
| Q4 2025 | 107.33% | 107.33% | 107.33% | 73.68% | $29.5M |
| Q1 2026 | 105.82% | 105.82% | 105.82% | 76.19% | $31.7M |
| Q2 2026 | 115.01% | 115.01% | 115.01% | 78.65% | $31.8M |
Country Trust Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Country Trust 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 Country Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35602) · FFIEC NIC profile (RSSD 449935)