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%.
Total equity capital climbed 8.0% in Q2 2026, from $45.2M to $48.8M. It was the largest change from Q1 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.53% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $54.6M |
| Tier 1 capital | $54.6M |
| Total risk-based capital | — |
| Total equity capital | $48.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.52% |
| Tangible equity to tangible assets | 9.52% |
| Equity capital to average assets | 9.41% |
| Internal capital growth rate | 21.45% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $675K |
| Common stock surplus | $16.0M |
| Retained earnings | $37.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.8M |
| 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 | 11.62% | 11.62% | 12.74% | 9.09% | $315.0M |
| Q4 2023 | 11.30% | 11.30% | 12.41% | 8.82% | $325.9M |
| Q1 2024 | 11.48% | 11.48% | 12.60% | 8.83% | $333.1M |
| Q2 2024 | 11.44% | 11.44% | 12.55% | 8.77% | $347.0M |
| Q3 2024 | 11.53% | 11.53% | 12.64% | 8.95% | $358.0M |
| Q4 2024 | 11.41% | 11.41% | 12.64% | 8.71% | $365.3M |
| Q1 2025 | 11.52% | 11.52% | 12.73% | 9.23% | $378.6M |
| Q2 2025 | 11.54% | 11.54% | 12.74% | 9.53% | $395.8M |
| Q3 2025 | 12.05% | 12.05% | 13.27% | 9.60% | $398.1M |
| Q4 2025 | 12.27% | 12.27% | 13.53% | 9.53% | $398.5M |
| Q1 2026 | — | — | — | 9.83% | — |
| Q2 2026 | — | — | — | 10.53% | — |
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 19163) · FFIEC NIC profile (RSSD 36933)