The First State Bank of Malta: 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 average assets climbed 0.79 percentage points in Q2 2026, from 11.77% to 12.56%. It was the largest change from Q1 2026 among the key lines here.
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 | 14.36% |
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 | $27.0M |
| Tier 1 capital | $27.0M |
| Total risk-based capital | — |
| Total equity capital | $23.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.47% |
| Tangible equity to tangible assets | 12.47% |
| Equity capital to average assets | 12.56% |
| Internal capital growth rate | 9.62% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $11.5M |
| Retained earnings | $14.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.4M |
| 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 | 16.78% | 11.21% | 11.21% |
| Q4 2023 | 16.24% | 11.91% | 11.91% |
| Q1 2024 | 15.44% | 11.73% | 11.73% |
| Q2 2024 | 15.79% | 11.79% | 11.79% |
| Q3 2024 | 15.96% | 12.45% | 12.45% |
| Q4 2024 | 15.30% | 12.43% | 12.43% |
| Q1 2025 | 14.99% | 12.44% | 12.44% |
| Q2 2025 | 15.48% | 12.63% | 12.63% |
| Q3 2025 | 15.70% | 13.34% | 13.34% |
| Q4 2025 | 14.86% | 11.89% | 11.89% |
| Q1 2026 | 13.66% | 11.80% | 11.80% |
| Q2 2026 | 14.36% | 12.47% | 12.47% |
The First State Bank of Malta 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 Malta, 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 Malta profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1982) · FFIEC NIC profile (RSSD 615253)