First State Bank of Livingston: 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 0.69 percentage points from Q1 2026 to Q2 2026, ending at 13.18% against 12.49%. It was the largest change among the key lines 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 | 15.52% |
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 | $112.9M |
| Tier 1 capital | $112.9M |
| Total risk-based capital | — |
| Total equity capital | $90.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.18% |
| Tangible equity to tangible assets | 13.18% |
| Equity capital to average assets | 12.49% |
| Internal capital growth rate | 4.31% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.2M |
| Common stock surplus | $5.8M |
| Retained earnings | $104.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$22.1M |
| 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 | 14.29% | 10.76% | 10.76% |
| Q4 2023 | 14.58% | 11.34% | 11.34% |
| Q1 2024 | 14.27% | 10.82% | 10.82% |
| Q2 2024 | 14.54% | 11.76% | 11.76% |
| Q3 2024 | 15.27% | 12.91% | 12.91% |
| Q4 2024 | 14.93% | 11.33% | 11.33% |
| Q1 2025 | 14.58% | 11.70% | 11.70% |
| Q2 2025 | 15.15% | 12.10% | 12.10% |
| Q3 2025 | 15.91% | 12.81% | 12.81% |
| Q4 2025 | 15.65% | 12.61% | 12.61% |
| Q1 2026 | 14.98% | 12.49% | 12.49% |
| Q2 2026 | 15.52% | 13.18% | 13.18% |
First State Bank of Livingston regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Livingston, 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 Livingston profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15898) · FFIEC NIC profile (RSSD 884358)