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 Equity capital to average assets, which fell 0.49 percentage points to 8.29%. First State Bank ranks 88th of 184 Texas banks on CET1 ratio, in the upper half at 17.14% (Q3 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. First State Bank sits 2.06 points higher, at 17.14% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.14% |
| Tier 1 risk-based capital ratio | 17.14% |
| Total risk-based capital ratio | 18.08% |
| Tier 1 leverage ratio | 10.08% |
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 | $31.2M |
| Tier 1 capital | $31.2M |
| Total risk-based capital | $32.9M |
| Total equity capital | $25.6M |
| Risk-weighted assets | $181.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.30% |
| Tangible equity to tangible assets | 8.30% |
| Equity capital to average assets | 8.29% |
| Internal capital growth rate | 6.71% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $413K |
| Common stock surplus | $8.0M |
| Retained earnings | $22.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.5M |
| 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 | 17.06% | 17.06% | 17.93% | 10.67% | $157.9M |
| Q4 2023 | 16.72% | 16.72% | 17.56% | 10.59% | $163.8M |
| Q1 2024 | 18.83% | 18.83% | 19.78% | 10.76% | $148.0M |
| Q2 2024 | 18.12% | 18.12% | 19.06% | 10.82% | $155.2M |
| Q3 2024 | 19.25% | 19.25% | 20.24% | 10.59% | $148.4M |
| Q4 2024 | 17.90% | 17.90% | 18.77% | 10.23% | $161.5M |
| Q1 2025 | 17.02% | 17.02% | 17.93% | 10.35% | $171.4M |
| Q2 2025 | 17.34% | 17.34% | 18.30% | 10.19% | $170.0M |
| Q3 2025 | 16.46% | 16.46% | 17.38% | 10.32% | $181.2M |
| Q4 2025 | 16.78% | 16.78% | 17.69% | 10.18% | $180.9M |
| Q1 2026 | 17.71% | 17.71% | 18.67% | 10.46% | $173.4M |
| Q2 2026 | 17.14% | 17.14% | 18.08% | 10.08% | $181.7M |
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 24498) · FFIEC NIC profile (RSSD 216164)