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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 8.6% higher than in Q1 2026, at -$37.4M. First State Bank ranks 137th of 184 Texas banks on CET1 ratio, in the lower half at 14.08% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. First State Bank sits 0.60 points higher, at 14.08% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.08% |
| Tier 1 risk-based capital ratio | 14.08% |
| Total risk-based capital ratio | 15.18% |
| Tier 1 leverage ratio | 9.61% |
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 | $179.2M |
| Tier 1 capital | $179.2M |
| Total risk-based capital | $193.1M |
| Total equity capital | $154.7M |
| Risk-weighted assets | $1.27B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.35% |
| Tangible equity to tangible assets | 7.71% |
| Equity capital to average assets | 8.24% |
| Internal capital growth rate | -0.06% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $76.2M |
| Retained earnings | $113.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$37.4M |
| 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 | 13.12% | 13.12% | 14.31% | 8.24% | $1.12B |
| Q4 2023 | 13.20% | 13.20% | 14.17% | 8.22% | $1.13B |
| Q1 2024 | 12.85% | 12.85% | 14.09% | 8.07% | $1.16B |
| Q2 2024 | 14.00% | 14.00% | 15.38% | 8.87% | $1.16B |
| Q3 2024 | 14.31% | 14.31% | 15.51% | 9.08% | $1.15B |
| Q4 2024 | 12.87% | 12.87% | 14.35% | 8.89% | $1.24B |
| Q1 2025 | 12.98% | 12.98% | 13.96% | 8.81% | $1.24B |
| Q2 2025 | 13.77% | 13.77% | 14.83% | 9.56% | $1.27B |
| Q3 2025 | 13.43% | 13.43% | 14.48% | 9.40% | $1.30B |
| Q4 2025 | 13.39% | 13.39% | 14.43% | 9.38% | $1.32B |
| Q1 2026 | 13.91% | 13.91% | 14.99% | 9.65% | $1.29B |
| Q2 2026 | 14.08% | 14.08% | 15.18% | 9.61% | $1.27B |
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 15511) · FFIEC NIC profile (RSSD 435750)