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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Equity capital to total assets rose 0.67 percentage points from Q1 2026 to Q2 2026, ending at 10.86% against 10.20%. It was the largest change among the key lines on this page.
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 | 9.77% |
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 | $37.5M |
| Tier 1 capital | $37.5M |
| Total risk-based capital | — |
| Total equity capital | $41.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.86% |
| Tangible equity to tangible assets | 9.69% |
| Equity capital to average assets | 10.73% |
| Internal capital growth rate | 18.17% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $6.6M |
| Retained earnings | $35.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$787K |
| 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 | 14.24% | 14.24% | 15.34% | 10.24% | $231.9M |
| Q4 2023 | 13.69% | 13.69% | 14.75% | 10.09% | $242.5M |
| Q1 2024 | 13.98% | 13.98% | 15.04% | 10.31% | $243.5M |
| Q2 2024 | 13.74% | 13.74% | 14.78% | 10.13% | $247.0M |
| Q3 2024 | 11.70% | 11.70% | 12.73% | 9.26% | $263.3M |
| Q4 2024 | 11.94% | 11.94% | 12.97% | 8.71% | $262.4M |
| Q1 2025 | 10.93% | 10.93% | 11.83% | 9.10% | $298.3M |
| Q2 2025 | — | — | — | 9.44% | — |
| Q3 2025 | — | — | — | 9.78% | — |
| Q4 2025 | — | — | — | 9.79% | — |
| Q1 2026 | — | — | — | 9.46% | — |
| Q2 2026 | — | — | — | 9.77% | — |
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 5821) · FFIEC NIC profile (RSSD 677448)