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.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 4.7% to $38.8M. Within Texas, First State Bank is 149th of 184 on CET1 ratio, 13.39% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. First State Bank sits 1.69 points lower, at 13.39% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.39% |
| Tier 1 risk-based capital ratio | 13.39% |
| Total risk-based capital ratio | 14.64% |
| Tier 1 leverage ratio | 9.48% |
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 | $44.8M |
| Tier 1 capital | $44.8M |
| Total risk-based capital | $49.0M |
| Total equity capital | $43.4M |
| Risk-weighted assets | $334.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.08% |
| Tangible equity to tangible assets | 9.08% |
| Equity capital to average assets | 9.18% |
| Internal capital growth rate | 17.92% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $750K |
| Common stock surplus | $5.2M |
| Retained earnings | $38.8M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.34% | 13.34% | 14.59% | 9.27% | $226.7M |
| Q4 2023 | 13.06% | 13.06% | 14.31% | 9.14% | $238.0M |
| Q1 2024 | 12.71% | 12.71% | 13.96% | 9.24% | $250.9M |
| Q2 2024 | 13.01% | 13.01% | 14.26% | 9.56% | $254.2M |
| Q3 2024 | 13.10% | 13.10% | 14.35% | 9.62% | $260.9M |
| Q4 2024 | 12.95% | 12.95% | 14.20% | 9.38% | $270.0M |
| Q1 2025 | 13.73% | 13.73% | 14.99% | 10.08% | $283.4M |
| Q2 2025 | 13.46% | 13.46% | 14.71% | 9.84% | $297.5M |
| Q3 2025 | 14.07% | 14.07% | 15.32% | 9.59% | $292.8M |
| Q4 2025 | 13.00% | 13.00% | 14.25% | 9.60% | $325.0M |
| Q1 2026 | 13.01% | 13.01% | 14.27% | 9.51% | $331.2M |
| Q2 2026 | 13.39% | 13.39% | 14.64% | 9.48% | $334.8M |
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 17950) · FFIEC NIC profile (RSSD 796152)