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 biggest quarter-over-quarter change on this page was a small one: Total equity capital edged up 2.2% between Q1 2026 and Q2 2026, to $49.9M.
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 | 9.80% |
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 | $54.9M |
| Tier 1 capital | $54.9M |
| Total risk-based capital | — |
| Total equity capital | $49.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.94% |
| Tangible equity to tangible assets | 8.68% |
| Equity capital to average assets | 8.88% |
| Internal capital growth rate | 2.48% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $14.1M |
| Retained earnings | $42.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.6M |
| 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 | 9.30% | 6.84% | 6.28% |
| Q4 2023 | 8.88% | 7.37% | 6.85% |
| Q1 2024 | 9.06% | 7.30% | 6.80% |
| Q2 2024 | 9.12% | 7.50% | 7.01% |
| Q3 2024 | 9.50% | 8.36% | 7.91% |
| Q4 2024 | 9.49% | 7.98% | 7.55% |
| Q1 2025 | 9.51% | 8.23% | 7.81% |
| Q2 2025 | 9.68% | 8.48% | 8.10% |
| Q3 2025 | 9.91% | 9.04% | 8.68% |
| Q4 2025 | 9.82% | 8.59% | 8.28% |
| Q1 2026 | 9.71% | 8.82% | 8.53% |
| Q2 2026 | 9.80% | 8.94% | 8.68% |
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 15271) · FFIEC NIC profile (RSSD 801047)