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 Equity capital to average assets: 0.93 percentage points higher than in Q1 2026, at 16.57%.
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 | 17.71% |
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 | $22.3M |
| Tier 1 capital | $22.3M |
| Total risk-based capital | — |
| Total equity capital | $20.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.57% |
| Tangible equity to tangible assets | 16.57% |
| Equity capital to average assets | 16.57% |
| Internal capital growth rate | 9.44% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $610K |
| Common stock surplus | $1.4M |
| Retained earnings | $20.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.4M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 14.90% | 12.14% | 12.14% |
| Q4 2023 | 15.18% | 13.09% | 13.09% |
| Q1 2024 | 15.47% | 13.19% | 13.19% |
| Q2 2024 | 15.59% | 13.32% | 13.32% |
| Q3 2024 | 15.73% | 14.24% | 14.24% |
| Q4 2024 | 15.55% | 14.42% | 14.42% |
| Q1 2025 | 16.62% | 14.85% | 14.85% |
| Q2 2025 | 16.39% | 14.78% | 14.78% |
| Q3 2025 | 16.72% | 15.87% | 15.87% |
| Q4 2025 | 16.73% | 15.45% | 15.45% |
| Q1 2026 | 16.82% | 16.12% | 16.12% |
| Q2 2026 | 17.71% | 16.57% | 16.57% |
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 8522) · FFIEC NIC profile (RSSD 795249)