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 largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 6.1% to $7.8M. Within Oklahoma, First State Bank is 27th of 71 on CET1 ratio, 16.40% as of Q2 2026. First State Bank reported 16.40% on CET1 ratio for Q2 2026, 1.32 points above the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.40% |
| Tier 1 risk-based capital ratio | 16.40% |
| Total risk-based capital ratio | 17.65% |
| Tier 1 leverage ratio | 10.91% |
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 | $10.8M |
| Tier 1 capital | $10.8M |
| Total risk-based capital | $11.6M |
| Total equity capital | $10.7M |
| Risk-weighted assets | $65.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.63% |
| Tangible equity to tangible assets | 10.63% |
| Equity capital to average assets | 10.79% |
| Internal capital growth rate | 17.21% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $173K |
| Common stock surplus | $2.8M |
| Retained earnings | $7.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$120K |
| 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 | 14.03% | 14.03% | 15.28% | 9.73% | $66.1M |
| Q4 2023 | 15.30% | 15.30% | 16.55% | 10.54% | $63.8M |
| Q1 2024 | 14.00% | 14.00% | 15.25% | 9.66% | $65.2M |
| Q2 2024 | 14.90% | 14.90% | 16.15% | 10.11% | $65.0M |
| Q3 2024 | 16.04% | 16.04% | 17.29% | 10.42% | $63.3M |
| Q4 2024 | 16.72% | 16.72% | 17.97% | 10.63% | $64.3M |
| Q1 2025 | 14.84% | 14.84% | 16.09% | 9.71% | $65.2M |
| Q2 2025 | 16.03% | 16.03% | 17.28% | 10.12% | $63.9M |
| Q3 2025 | 16.50% | 16.50% | 17.76% | 10.38% | $64.1M |
| Q4 2025 | 16.85% | 16.85% | 18.10% | 11.10% | $65.9M |
| Q1 2026 | 15.77% | 15.77% | 16.81% | 10.26% | $65.5M |
| Q2 2026 | 16.40% | 16.40% | 17.65% | 10.91% | $65.7M |
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 12757) · FFIEC NIC profile (RSSD 513854)