First State Bank of Michigan: 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 Retained earnings: 16.1% lower than in Q1 2026, at -$2.0M.
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 | 13.89% |
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 | $11.3M |
| Tier 1 capital | $11.3M |
| Total risk-based capital | — |
| Total equity capital | $14.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.95% |
| Tangible equity to tangible assets | 13.46% |
| Equity capital to average assets | 17.50% |
| Internal capital growth rate | -7.26% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $6.6M |
| Common stock surplus | $10.3M |
| Retained earnings | -$2.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $16K |
| 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 | 22.01% | 19.47% | 19.47% |
| Q4 2023 | 21.64% | 19.75% | 19.75% |
| Q1 2024 | 21.06% | 19.30% | 19.30% |
| Q2 2024 | 21.78% | 19.52% | 19.52% |
| Q3 2024 | 20.64% | 18.99% | 18.99% |
| Q4 2024 | 22.08% | 25.81% | 20.82% |
| Q1 2025 | 19.77% | 23.65% | 18.91% |
| Q2 2025 | 21.15% | 25.48% | 20.79% |
| Q3 2025 | 19.53% | 24.10% | 19.60% |
| Q4 2025 | 18.30% | 19.24% | 15.45% |
| Q1 2026 | 14.74% | 18.20% | 14.53% |
| Q2 2026 | 13.89% | 16.95% | 13.46% |
First State Bank of Michigan regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Michigan, 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 Michigan profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12893) · FFIEC NIC profile (RSSD 654047)