First State Bank and Trust: Tier 1 Risk-Based Capital Ratio
Data as of · sourced from FFIEC call reports. How we update
First State Bank and Trust reported a tier 1 risk-based capital ratio of 22.37% as of Q2 2026, ranking #236 of 2,134 U.S. banks (89th percentile). That is down 0.18 percentage points from 22.55% a year earlier, and above the 14.36% median of the 443 Midsize Community Banks ($500M–$1B in assets). Tier 1 Risk-Based Capital combines Common Equity Tier 1 plus Additional Tier 1 instruments, the broader capital measure after CET1.
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What is the Tier 1 Risk-Based Capital Ratio?
The Tier 1 Risk-Based Capital ratio measures a bank's Tier 1 capital (CET1 plus Additional Tier 1 instruments) against its risk-weighted assets. It is the broader of the two Tier-1 capital measures and is still the headline capital metric for most banking comparisons.
Read Tier 1 RBC alongside CET1: a large gap between them means the bank relies meaningfully on preferred stock for its capital base, which is more expensive and less flexible than common equity. Most community banks show Tier 1 RBC within a few basis points of CET1. The bands below are BankRegReports analyst bands, not prompt corrective action categories; PCA treats a Tier 1 ratio of 8% or more as well capitalized.
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What is First State Bank and Trust's Tier 1 Risk-Based Capital Ratio?
First State Bank and Trust's Tier 1 Risk-Based Capital Ratio was 22.37% as of Q2 2026, ranking #236 of 2,134 U.S. banks.
What is the Tier 1 Risk-Based Capital Ratio?
The Tier 1 Risk-Based Capital ratio measures a bank's Tier 1 capital (CET1 plus Additional Tier 1 instruments) against its risk-weighted assets. It is the broader of the two Tier-1 capital measures and is still the headline capital metric for most banking comparisons.
More First State Bank and Trust metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full First State Bank and Trust profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 16332) · FFIEC NIC profile (RSSD 899642)