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.
Compared with Q1 2026, Risk-weighted assets rose 6.8% in Q2 2026 to $199.8M, the biggest move on this page. Within Nebraska, First State Bank is 30th of 57 on CET1 ratio, 13.49% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. First State Bank sits 1.59 points lower, at 13.49% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.49% |
| Tier 1 risk-based capital ratio | 13.49% |
| Total risk-based capital ratio | 14.53% |
| Tier 1 leverage ratio | 11.76% |
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 | $29.0M |
| Total equity capital | $31.1M |
| Risk-weighted assets | $199.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.36% |
| Tangible equity to tangible assets | 11.49% |
| Equity capital to average assets | 13.27% |
| Internal capital growth rate | 11.20% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $210K |
| Common stock surplus | $8.2M |
| Retained earnings | $23.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$808K |
| 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 | 11.92% | 11.92% | 12.90% | 9.74% | $169.5M |
| Q4 2023 | 11.87% | 11.87% | 12.86% | 9.72% | $173.0M |
| Q1 2024 | — | — | — | 10.15% | — |
| Q2 2024 | 12.01% | 12.01% | 12.99% | 10.33% | $178.1M |
| Q3 2024 | 11.96% | 11.96% | 12.99% | 10.09% | $182.0M |
| Q4 2024 | 11.86% | 11.86% | 12.90% | 10.13% | $186.9M |
| Q1 2025 | 12.85% | 12.85% | 13.95% | 10.67% | $176.8M |
| Q2 2025 | 12.97% | 12.97% | 14.05% | 10.95% | $180.3M |
| Q3 2025 | 12.73% | 12.73% | 13.79% | 10.92% | $188.7M |
| Q4 2025 | 13.19% | 13.19% | 14.24% | 11.12% | $187.0M |
| Q1 2026 | 13.95% | 13.95% | 15.03% | 11.63% | $187.0M |
| Q2 2026 | 13.49% | 13.49% | 14.53% | 11.76% | $199.8M |
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 16333) · FFIEC NIC profile (RSSD 172859)