Elk 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%.
Compared with Q1 2026, Accumulated other comprehensive income rose 4.4% in Q2 2026 to -$1.4M, the biggest move on this page. Within Kansas, Elk State Bank is 48th of 85 on CET1 ratio, 14.01% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Elk State Bank sits 1.06 points lower, at 14.01% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.01% |
| Tier 1 risk-based capital ratio | 14.01% |
| Total risk-based capital ratio | 15.26% |
| Tier 1 leverage ratio | 8.25% |
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 | $11.4M |
| Tier 1 capital | $11.4M |
| Total risk-based capital | $12.4M |
| Total equity capital | $9.9M |
| Risk-weighted assets | $81.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.20% |
| Tangible equity to tangible assets | 7.20% |
| Equity capital to average assets | 7.23% |
| Internal capital growth rate | 1.21% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $10K |
| Common stock surplus | $7.7M |
| Retained earnings | $3.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.4M |
| 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 | 15.81% | 15.81% | 17.06% | 8.45% | $68.9M |
| Q4 2023 | 14.59% | 14.59% | 15.84% | 8.21% | $73.6M |
| Q1 2024 | 15.52% | 15.52% | 16.77% | 8.14% | $70.4M |
| Q2 2024 | 14.93% | 14.93% | 16.18% | 8.20% | $72.8M |
| Q3 2024 | 14.41% | 14.41% | 15.66% | 7.82% | $74.0M |
| Q4 2024 | 14.29% | 14.29% | 15.54% | 8.06% | $75.6M |
| Q1 2025 | 14.94% | 14.94% | 16.19% | 8.12% | $74.0M |
| Q2 2025 | 14.96% | 14.96% | 16.21% | 8.25% | $73.9M |
| Q3 2025 | 15.52% | 15.52% | 16.78% | 8.35% | $73.2M |
| Q4 2025 | 14.01% | 14.01% | 15.23% | 8.17% | $80.7M |
| Q1 2026 | 14.11% | 14.11% | 15.36% | 7.86% | $80.5M |
| Q2 2026 | 14.01% | 14.01% | 15.26% | 8.25% | $81.3M |
Elk State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Elk 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 Elk State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15259) · FFIEC NIC profile (RSSD 679451)