First State Bank of Campbell Hill: 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%.
Equity capital to total assets rose 0.40 percentage points from Q1 2026 to Q2 2026, ending at 13.32% against 12.92%. It was the largest change among the key lines on this page. Within Illinois, First State Bank of Campbell Hill is 38th of 198 on CET1 ratio, 21.75% as of Q2 2026, above the middle of the field. First State Bank of Campbell Hill reported 21.75% on CET1 ratio for Q2 2026, 6.68 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 21.75% |
| Tier 1 risk-based capital ratio | 21.75% |
| Total risk-based capital ratio | 22.75% |
| Tier 1 leverage ratio | 13.82% |
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 | $22.3M |
| Tier 1 capital | $22.3M |
| Total risk-based capital | $23.3M |
| Total equity capital | $21.3M |
| Risk-weighted assets | $102.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.32% |
| Tangible equity to tangible assets | 13.32% |
| Equity capital to average assets | 13.21% |
| Internal capital growth rate | 9.42% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $3.9M |
| Retained earnings | $18.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$977K |
| 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 | 19.68% | 19.68% | 20.74% | 12.18% | $94.0M |
| Q4 2023 | 20.11% | 20.11% | 21.15% | 12.30% | $93.7M |
| Q1 2024 | 20.68% | 20.68% | 21.73% | 12.73% | $93.4M |
| Q2 2024 | 20.68% | 20.68% | 21.71% | 12.75% | $95.3M |
| Q3 2024 | 21.00% | 21.00% | 22.02% | 13.02% | $96.3M |
| Q4 2024 | 21.47% | 21.47% | 22.52% | 12.77% | $93.4M |
| Q1 2025 | 21.32% | 21.32% | 22.32% | 13.17% | $98.2M |
| Q2 2025 | 21.19% | 21.19% | 22.21% | 13.20% | $98.9M |
| Q3 2025 | 21.78% | 21.78% | 22.80% | 13.56% | $98.4M |
| Q4 2025 | 21.37% | 21.37% | 22.39% | 13.21% | $99.2M |
| Q1 2026 | 21.56% | 21.56% | 22.55% | 13.55% | $101.2M |
| Q2 2026 | 21.75% | 21.75% | 22.75% | 13.82% | $102.5M |
First State Bank of Campbell Hill regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Campbell Hill, 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 of Campbell Hill profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10799) · FFIEC NIC profile (RSSD 698546)