First State Bank of Forrest: 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%.
The biggest quarter-over-quarter change on this page was a small one: Risk-weighted assets edged down 2.2% between Q1 2026 and Q2 2026, to $252.1M. Within Illinois, First State Bank of Forrest is 161st of 198 on CET1 ratio, 11.83% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. First State Bank of Forrest sits 3.24 points lower, at 11.83% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.83% |
| Tier 1 risk-based capital ratio | 11.83% |
| Total risk-based capital ratio | 12.91% |
| Tier 1 leverage ratio | 9.06% |
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 | $29.8M |
| Tier 1 capital | $29.8M |
| Total risk-based capital | $32.5M |
| Total equity capital | $29.4M |
| Risk-weighted assets | $252.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.95% |
| Tangible equity to tangible assets | 8.95% |
| Equity capital to average assets | 8.92% |
| Internal capital growth rate | 5.32% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $6.5M |
| Retained earnings | $23.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$447K |
| 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 | 11.35% | 11.35% | 12.23% | 9.06% | $229.8M |
| Q4 2023 | 11.46% | 11.46% | 12.46% | 8.85% | $229.2M |
| Q1 2024 | 10.97% | 10.97% | 11.97% | 8.75% | $236.9M |
| Q2 2024 | 11.22% | 11.22% | 12.24% | 8.80% | $233.9M |
| Q3 2024 | 11.06% | 11.06% | 12.10% | 8.72% | $238.9M |
| Q4 2024 | 11.24% | 11.24% | 12.28% | 8.85% | $240.6M |
| Q1 2025 | 10.88% | 10.88% | 11.97% | 8.79% | $247.3M |
| Q2 2025 | 10.75% | 10.75% | 11.78% | 8.77% | $256.5M |
| Q3 2025 | 10.76% | 10.76% | 11.75% | 8.72% | $263.6M |
| Q4 2025 | 11.17% | 11.17% | 12.15% | 8.97% | $265.3M |
| Q1 2026 | 11.42% | 11.42% | 12.48% | 8.96% | $257.9M |
| Q2 2026 | 11.83% | 11.83% | 12.91% | 9.06% | $252.1M |
First State Bank of Forrest regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Forrest, 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 Forrest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11669) · FFIEC NIC profile (RSSD 980438)