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%.
Equity capital to average assets climbed 0.84 percentage points in Q2 2026, from 9.40% to 10.24%. 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 | 10.64% |
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 | $6.3M |
| Tier 1 capital | $6.3M |
| Total risk-based capital | — |
| Total equity capital | $6.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.39% |
| Tangible equity to tangible assets | 10.39% |
| Equity capital to average assets | 10.24% |
| Internal capital growth rate | 9.97% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $237K |
| Common stock surplus | $1.6M |
| Retained earnings | $4.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$239K |
| 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 | 21.29% | 21.29% | 22.55% | 8.63% | $26.0M |
| Q4 2023 | 21.43% | 21.43% | 22.69% | 8.51% | $24.8M |
| Q1 2024 | 21.42% | 21.42% | 22.67% | 8.28% | $24.3M |
| Q2 2024 | 19.45% | 19.45% | 20.70% | 8.88% | $28.1M |
| Q3 2024 | 21.00% | 21.00% | 22.26% | 10.30% | $27.8M |
| Q4 2024 | — | — | — | 9.65% | — |
| Q1 2025 | — | — | — | 10.17% | — |
| Q2 2025 | — | — | — | 11.21% | — |
| Q3 2025 | — | — | — | 11.14% | — |
| Q4 2025 | — | — | — | 9.98% | — |
| Q1 2026 | — | — | — | 9.93% | — |
| Q2 2026 | — | — | — | 10.64% | — |
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 16643) · FFIEC NIC profile (RSSD 603755)