The First State Bank of Healy: 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 standout move of Q2 2026 was in Equity capital to total assets: 0.76 percentage points higher than in Q1 2026, at 14.87%.
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 | 16.77% |
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 | $18.7M |
| Tier 1 capital | $18.7M |
| Total risk-based capital | — |
| Total equity capital | $16.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.87% |
| Tangible equity to tangible assets | 14.87% |
| Equity capital to average assets | 14.55% |
| Internal capital growth rate | 6.93% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $83K |
| Common stock surplus | $1.0M |
| Retained earnings | $17.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.5M |
| 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 | 16.07% | 11.60% | 11.60% |
| Q4 2023 | 16.24% | 13.29% | 13.29% |
| Q1 2024 | 16.16% | 12.98% | 12.98% |
| Q2 2024 | 15.76% | 12.39% | 12.39% |
| Q3 2024 | 14.61% | 12.75% | 12.75% |
| Q4 2024 | 14.66% | 11.86% | 11.86% |
| Q1 2025 | 15.03% | 12.12% | 12.12% |
| Q2 2025 | 14.92% | 11.68% | 11.68% |
| Q3 2025 | 15.48% | 13.25% | 13.25% |
| Q4 2025 | 15.83% | 13.16% | 13.16% |
| Q1 2026 | 16.24% | 14.12% | 14.12% |
| Q2 2026 | 16.77% | 14.87% | 14.87% |
The First State Bank of Healy regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The First State Bank of Healy, 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 The First State Bank of Healy profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17661) · FFIEC NIC profile (RSSD 864855)