First State Bank and Trust Company: 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%.
In Q2 2026, Equity capital to total assets edged up by 0.21 percentage points, from 9.39% to 9.60%, the largest move among the key lines here.
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 | 14.00% |
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 | $79.7M |
| Tier 1 capital | $79.7M |
| Total risk-based capital | — |
| Total equity capital | $52.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.60% |
| Tangible equity to tangible assets | 9.60% |
| Equity capital to average assets | 9.23% |
| Internal capital growth rate | 6.31% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.4M |
| Common stock surplus | $11.6M |
| Retained earnings | $65.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$27.1M |
| 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 | 13.59% | 6.55% | 6.55% |
| Q4 2023 | 13.40% | 7.55% | 7.55% |
| Q1 2024 | 13.31% | 7.24% | 7.24% |
| Q2 2024 | 13.64% | 7.76% | 7.76% |
| Q3 2024 | 13.97% | 9.26% | 9.26% |
| Q4 2024 | 14.07% | 8.06% | 8.06% |
| Q1 2025 | 14.30% | 8.87% | 8.87% |
| Q2 2025 | 14.56% | 9.07% | 9.07% |
| Q3 2025 | 14.73% | 10.17% | 10.17% |
| Q4 2025 | 14.44% | 10.08% | 10.08% |
| Q1 2026 | 13.98% | 9.39% | 9.39% |
| Q2 2026 | 14.00% | 9.60% | 9.60% |
First State Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11559) · FFIEC NIC profile (RSSD 1012251)