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.
Total equity capital rose 6.3% from Q1 2026 to Q2 2026, ending at $108.5M against $102.1M. It was the largest change among the key lines on this page. Within Ohio, First State Bank is 24th of 84 on CET1 ratio, 17.38% as of Q2 2026. First State Bank reported 17.38% on CET1 ratio for Q2 2026, 3.89 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 | 17.38% |
| Tier 1 risk-based capital ratio | 17.38% |
| Total risk-based capital ratio | 18.48% |
| Tier 1 leverage ratio | 10.47% |
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 | $130.0M |
| Tier 1 capital | $130.0M |
| Total risk-based capital | $138.3M |
| Total equity capital | $108.5M |
| Risk-weighted assets | $748.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.74% |
| Tangible equity to tangible assets | 8.70% |
| Equity capital to average assets | 8.73% |
| Internal capital growth rate | 10.50% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.8M |
| Common stock surplus | $52.4M |
| Retained earnings | $76.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$22.1M |
| 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 | 16.81% | 16.81% | 17.80% | 9.75% | $564.7M |
| Q4 2023 | 17.06% | 17.06% | 18.03% | 9.81% | $567.8M |
| Q1 2024 | 17.26% | 17.26% | 18.22% | 9.68% | $571.8M |
| Q2 2024 | 17.12% | 17.12% | 18.05% | 9.25% | $589.0M |
| Q3 2024 | 16.64% | 16.64% | 17.57% | 9.42% | $624.5M |
| Q4 2024 | 16.56% | 16.56% | 17.57% | 9.71% | $638.2M |
| Q1 2025 | 16.37% | 16.37% | 17.40% | 9.90% | $660.4M |
| Q2 2025 | 14.58% | 14.58% | 15.65% | 8.64% | $669.6M |
| Q3 2025 | 14.54% | 14.54% | 15.64% | 8.62% | $688.2M |
| Q4 2025 | 17.44% | 17.44% | 18.54% | 10.69% | $713.7M |
| Q1 2026 | 17.09% | 17.09% | 18.18% | 10.63% | $744.7M |
| Q2 2026 | 17.38% | 17.38% | 18.48% | 10.47% | $748.2M |
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 9437) · FFIEC NIC profile (RSSD 294023)