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 Equity capital to total assets, which rose 0.66 percentage points to 10.29%. First State Bank ranks 26th of 69 Kentucky banks on CET1 ratio, in the upper half at 16.50% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. First State Bank sits 1.42 points higher, at 16.50% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.50% |
| Tier 1 risk-based capital ratio | 16.50% |
| Total risk-based capital ratio | 16.76% |
| Tier 1 leverage ratio | 11.23% |
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 | $46.7M |
| Tier 1 capital | $46.7M |
| Total risk-based capital | $47.4M |
| Total equity capital | $41.4M |
| Risk-weighted assets | $283.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.29% |
| Tangible equity to tangible assets | 10.29% |
| Equity capital to average assets | 9.95% |
| Internal capital growth rate | 11.94% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $4.0M |
| Retained earnings | $41.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.3M |
| 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 | 16.58% | 16.58% | 16.83% | 12.22% | $206.8M |
| Q4 2023 | 16.82% | 16.82% | 17.09% | 12.19% | $210.0M |
| Q1 2024 | 16.67% | 16.67% | 16.93% | 12.04% | $216.5M |
| Q2 2024 | 15.56% | 15.56% | 15.83% | 11.48% | $235.9M |
| Q3 2024 | 15.22% | 15.22% | 15.50% | 11.55% | $247.0M |
| Q4 2024 | 15.10% | 15.10% | 15.37% | 11.51% | $258.1M |
| Q1 2025 | 14.97% | 14.97% | 15.22% | 11.44% | $268.2M |
| Q2 2025 | 15.09% | 15.09% | 15.34% | 11.61% | $274.7M |
| Q3 2025 | 15.85% | 15.85% | 16.11% | 11.99% | $270.8M |
| Q4 2025 | 15.79% | 15.79% | 16.04% | 11.99% | $279.7M |
| Q1 2026 | 16.22% | 16.22% | 16.48% | 11.89% | $280.6M |
| Q2 2026 | 16.50% | 16.50% | 16.76% | 11.23% | $283.0M |
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 12149) · FFIEC NIC profile (RSSD 565143)