First 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Common stock surplus: 300.7% higher than in Q1 2026, at $107.1M. Within Arkansas, First State Bank is 14th of 37 on CET1 ratio, 15.08% as of Q2 2026. At 15.08%, First State Bank's CET1 ratio is close to the 15.08% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.08% |
| Tier 1 risk-based capital ratio | 15.08% |
| Total risk-based capital ratio | 16.26% |
| Tier 1 leverage ratio | 11.42% |
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 | $71.0M |
| Tier 1 capital | $71.0M |
| Total risk-based capital | $76.6M |
| Total equity capital | $108.8M |
| Risk-weighted assets | $471.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.35% |
| Tangible equity to tangible assets | 10.52% |
| Equity capital to average assets | 16.48% |
| Internal capital growth rate | 8.78% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $107.1M |
| Retained earnings | $2.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$468K |
| 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 | 14.48% | 14.48% | 15.70% | 11.29% | $393.2M |
| Q4 2023 | 15.07% | 15.07% | 16.26% | 11.17% | $386.2M |
| Q1 2024 | 14.85% | 14.85% | 16.04% | 11.43% | $399.0M |
| Q2 2024 | 14.57% | 14.57% | 15.75% | 11.48% | $413.7M |
| Q3 2024 | 14.53% | 14.53% | 15.78% | 11.02% | $423.6M |
| Q4 2024 | 14.52% | 14.52% | 15.77% | 10.71% | $435.1M |
| Q1 2025 | 15.22% | 15.22% | 16.47% | 10.91% | $425.4M |
| Q2 2025 | 15.20% | 15.20% | 16.46% | 11.04% | $435.1M |
| Q3 2025 | 14.81% | 14.81% | 16.07% | 11.13% | $458.1M |
| Q4 2025 | 15.12% | 15.12% | 16.37% | 11.18% | $461.8M |
| Q1 2026 | 14.98% | 14.98% | 16.23% | 11.40% | $469.3M |
| Q2 2026 | 15.08% | 15.08% | 16.26% | 11.42% | $471.1M |
First State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13632) · FFIEC NIC profile (RSSD 114840)