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 largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which fell 3.2% to $759.4M. Within Florida, First State Bank is 17th of 56 on CET1 ratio, 16.00% as of Q2 2026. First State Bank reported 16.00% on CET1 ratio for Q2 2026, 2.50 points above the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.00% |
| Tier 1 risk-based capital ratio | 16.00% |
| Total risk-based capital ratio | 17.25% |
| Tier 1 leverage ratio | 10.32% |
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 | $121.5M |
| Tier 1 capital | $121.5M |
| Total risk-based capital | $131.0M |
| Total equity capital | $104.9M |
| Risk-weighted assets | $759.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.85% |
| Tangible equity to tangible assets | 8.85% |
| Equity capital to average assets | 8.91% |
| Internal capital growth rate | -0.39% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $15K |
| Common stock surplus | $53.2M |
| Retained earnings | $69.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$16.6M |
| 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 | 15.25% | 15.25% | 16.50% | 10.04% | $788.0M |
| Q4 2023 | 15.39% | 15.39% | 16.64% | 9.92% | $781.9M |
| Q1 2024 | 17.67% | 17.67% | 18.93% | 10.68% | $738.8M |
| Q2 2024 | 16.95% | 16.95% | 18.20% | 10.38% | $768.5M |
| Q3 2024 | 16.89% | 16.89% | 18.14% | 10.61% | $767.3M |
| Q4 2024 | 16.75% | 16.75% | 18.00% | 10.93% | $765.3M |
| Q1 2025 | 16.94% | 16.94% | 18.19% | 11.05% | $768.8M |
| Q2 2025 | 15.47% | 15.47% | 16.72% | 10.17% | $788.4M |
| Q3 2025 | 15.87% | 15.87% | 17.12% | 10.37% | $769.3M |
| Q4 2025 | 15.30% | 15.30% | 16.51% | 10.59% | $795.1M |
| Q1 2026 | 15.49% | 15.49% | 16.74% | 10.39% | $784.9M |
| Q2 2026 | 16.00% | 16.00% | 17.25% | 10.32% | $759.4M |
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 17509) · FFIEC NIC profile (RSSD 191935)