Du Quoin 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 standout move of Q2 2026 was in Total equity capital: 46.4% higher than in Q1 2026, at $6.0M. Among 198 Illinois banks, Du Quoin State Bank sits 19th from the top on CET1 ratio, 25.11% as of Q2 2026. Du Quoin State Bank's CET1 ratio of 25.11% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 10.04 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 25.11% |
| Tier 1 risk-based capital ratio | 25.11% |
| Total risk-based capital ratio | 26.23% |
| Tier 1 leverage ratio | 10.78% |
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 | $15.6M |
| Tier 1 capital | $15.6M |
| Total risk-based capital | $16.3M |
| Total equity capital | $6.0M |
| Risk-weighted assets | $62.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 4.06% |
| Tangible equity to tangible assets | 4.06% |
| Equity capital to average assets | 4.16% |
| Internal capital growth rate | 11.28% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $1.8M |
| Retained earnings | $12.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.6M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 25.75% | 25.75% | 26.91% | 10.88% | $51.9M |
| Q4 2023 | 25.72% | 25.72% | 26.89% | 11.10% | $53.1M |
| Q1 2024 | 24.77% | 24.77% | 25.91% | 10.33% | $55.2M |
| Q2 2024 | 25.84% | 25.84% | 27.02% | 10.66% | $53.9M |
| Q3 2024 | 24.02% | 24.02% | 25.11% | 10.75% | $59.3M |
| Q4 2024 | 24.08% | 24.08% | 25.15% | 10.88% | $60.7M |
| Q1 2025 | 24.18% | 24.18% | 25.26% | 10.30% | $60.5M |
| Q2 2025 | 24.76% | 24.76% | 25.86% | 10.97% | $60.7M |
| Q3 2025 | 24.76% | 24.76% | 25.84% | 11.61% | $62.1M |
| Q4 2025 | 24.24% | 24.24% | 25.31% | 11.25% | $63.3M |
| Q1 2026 | 24.31% | 24.31% | 25.39% | 10.83% | $63.7M |
| Q2 2026 | 25.11% | 25.11% | 26.23% | 10.78% | $62.1M |
Du Quoin State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Du Quoin 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 Du Quoin State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10804) · FFIEC NIC profile (RSSD 823142)