The Exchange 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%.
Retained earnings rose 6.7% from Q1 2026 to Q2 2026, ending at $2.4M against $2.3M. It was the largest change among the key lines on this page.
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 | 9.51% |
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 | $5.0M |
| Tier 1 capital | $5.0M |
| Total risk-based capital | — |
| Total equity capital | $4.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.64% |
| Tangible equity to tangible assets | 8.64% |
| Equity capital to average assets | 8.62% |
| Internal capital growth rate | 13.61% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $2.5M |
| Retained earnings | $2.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$473K |
| 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 | 10.65% | 10.65% | 11.51% | 8.78% | $44.2M |
| Q4 2023 | 11.19% | 11.19% | 12.07% | 8.98% | $42.9M |
| Q1 2024 | 10.71% | 10.71% | 11.63% | 8.28% | $43.4M |
| Q2 2024 | 10.58% | 10.58% | 11.48% | 8.52% | $44.5M |
| Q3 2024 | 10.87% | 10.87% | 11.80% | 8.22% | $43.1M |
| Q4 2024 | 10.88% | 10.88% | 11.80% | 8.54% | $43.6M |
| Q1 2025 | 10.12% | 10.12% | 10.99% | 8.64% | $46.7M |
| Q2 2025 | 11.68% | 11.68% | 12.67% | 8.98% | $41.2M |
| Q3 2025 | — | — | — | 9.08% | — |
| Q4 2025 | — | — | — | 9.14% | — |
| Q1 2026 | — | — | — | 9.02% | — |
| Q2 2026 | — | — | — | 9.51% | — |
The Exchange State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Exchange 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 The Exchange State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16094) · FFIEC NIC profile (RSSD 362043)