First American 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 Accumulated other comprehensive income: 13.2% lower than in Q1 2026, at -$2.0M. First American State Bank ranks 16th of 34 Colorado banks on CET1 ratio, in the upper half at 15.07% (Q2 2026). At 15.07%, First American State Bank's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.07% |
| Tier 1 risk-based capital ratio | 15.07% |
| Total risk-based capital ratio | 16.33% |
| Tier 1 leverage ratio | 9.67% |
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 | $27.0M |
| Tier 1 capital | $27.0M |
| Total risk-based capital | $29.3M |
| Total equity capital | $25.0M |
| Risk-weighted assets | $179.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.03% |
| Tangible equity to tangible assets | 9.03% |
| Equity capital to average assets | 8.95% |
| Internal capital growth rate | 0.33% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $8.8M |
| Retained earnings | $17.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.0M |
| 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 | 13.47% | 13.47% | 14.41% | 9.15% | $196.7M |
| Q4 2023 | 12.83% | 12.83% | 13.76% | 9.15% | $206.5M |
| Q1 2024 | 13.24% | 13.24% | 14.21% | 9.04% | $198.8M |
| Q2 2024 | 13.22% | 13.22% | 14.18% | 9.11% | $200.6M |
| Q3 2024 | 13.28% | 13.28% | 14.24% | 9.14% | $199.3M |
| Q4 2024 | 13.22% | 13.22% | 14.48% | 8.79% | $195.2M |
| Q1 2025 | 13.29% | 13.29% | 14.55% | 8.38% | $193.4M |
| Q2 2025 | 13.40% | 13.40% | 14.65% | 8.92% | $195.0M |
| Q3 2025 | 13.90% | 13.90% | 15.16% | 8.98% | $190.7M |
| Q4 2025 | 14.40% | 14.40% | 15.66% | 9.02% | $187.4M |
| Q1 2026 | 14.74% | 14.74% | 16.00% | 9.37% | $183.1M |
| Q2 2026 | 15.07% | 15.07% | 16.33% | 9.67% | $179.3M |
First American State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First American 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 First American State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34040) · FFIEC NIC profile (RSSD 2317672)