Defiance 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 biggest quarter-over-quarter change on this page was a small one: Retained earnings edged up 2.5% between Q1 2026 and Q2 2026, to $3.2M.
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 | 9.86% |
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 | $4.2M |
| Tier 1 capital | $4.2M |
| Total risk-based capital | — |
| Total equity capital | $4.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.87% |
| Tangible equity to tangible assets | 9.87% |
| Equity capital to average assets | 9.86% |
| Internal capital growth rate | 7.56% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $900K |
| Retained earnings | $3.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 10.31% | 10.31% | 10.80% | 8.81% | $36.7M |
| Q4 2023 | 10.20% | 10.20% | 10.68% | 8.85% | $37.0M |
| Q1 2024 | 10.97% | 10.97% | 11.47% | 9.03% | $35.2M |
| Q2 2024 | — | — | — | 9.39% | — |
| Q3 2024 | — | — | — | 9.78% | — |
| Q4 2024 | — | — | — | 9.40% | — |
| Q1 2025 | — | — | — | 9.66% | — |
| Q2 2025 | — | — | — | 10.05% | — |
| Q3 2025 | — | — | — | 10.67% | — |
| Q4 2025 | 10.34% | 10.34% | 10.85% | 10.00% | $39.2M |
| Q1 2026 | — | — | — | 9.79% | — |
| Q2 2026 | — | — | — | 9.86% | — |
Defiance State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Defiance 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 Defiance State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17450) · FFIEC NIC profile (RSSD 902645)