First State Bank in Temple: 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.
Compared with Q1 2026, Equity capital to total assets rose 0.41 percentage points in Q2 2026 to 17.95%, the biggest move on this page.
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 | 22.19% |
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 | $6.3M |
| Tier 1 capital | $6.3M |
| Total risk-based capital | — |
| Total equity capital | $4.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 17.95% |
| Tangible equity to tangible assets | 17.95% |
| Equity capital to average assets | 16.70% |
| Internal capital growth rate | 6.57% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $250K |
| Common stock surplus | $300K |
| Retained earnings | $5.7M |
| Preferred stock and surplus | $32K |
| Accumulated other comprehensive income | -$1.6M |
| 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 | 20.21% | 14.20% | 14.20% |
| Q4 2023 | 20.78% | 15.29% | 15.29% |
| Q1 2024 | 20.55% | 14.80% | 14.80% |
| Q2 2024 | 20.94% | 15.58% | 15.58% |
| Q3 2024 | 21.46% | 17.38% | 17.38% |
| Q4 2024 | 22.45% | 17.21% | 17.21% |
| Q1 2025 | 23.08% | 17.52% | 17.52% |
| Q2 2025 | 22.69% | 16.27% | 16.27% |
| Q3 2025 | 21.66% | 17.00% | 17.00% |
| Q4 2025 | 22.48% | 18.00% | 18.00% |
| Q1 2026 | 21.98% | 17.53% | 17.53% |
| Q2 2026 | 22.19% | 17.95% | 17.95% |
First State Bank in Temple regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank in Temple, 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 in Temple profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5999) · FFIEC NIC profile (RSSD 325459)