First State Bank of Forsyth: 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 largest change between Q1 2026 and Q2 2026 was in Equity capital to average assets, which rose 0.70 percentage points to 9.62%.
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 | 12.08% |
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 | $19.8M |
| Tier 1 capital | $19.8M |
| Total risk-based capital | — |
| Total equity capital | $15.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.50% |
| Tangible equity to tangible assets | 9.50% |
| Equity capital to average assets | 9.62% |
| Internal capital growth rate | 14.00% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $10.0M |
| Retained earnings | $8.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.0M |
| 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 | 10.35% | 5.04% | 5.04% |
| Q4 2023 | 10.42% | 7.02% | 7.02% |
| Q1 2024 | 11.15% | 7.06% | 7.06% |
| Q2 2024 | 11.34% | 7.25% | 7.25% |
| Q3 2024 | 11.31% | 8.23% | 8.23% |
| Q4 2024 | 10.96% | 7.13% | 7.13% |
| Q1 2025 | 11.50% | 8.29% | 8.29% |
| Q2 2025 | 12.15% | 8.76% | 8.76% |
| Q3 2025 | 12.20% | 8.35% | 8.35% |
| Q4 2025 | 11.31% | 8.91% | 8.91% |
| Q1 2026 | 11.35% | 9.01% | 9.01% |
| Q2 2026 | 12.08% | 9.50% | 9.50% |
First State Bank of Forsyth regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Forsyth, 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 Forsyth profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8317) · FFIEC NIC profile (RSSD 597658)