First State Bank of Olmsted: 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%.
Compared with Q1 2026, Equity capital to average assets rose 0.28 percentage points in Q2 2026 to 12.57%, the biggest move on this page. First State Bank of Olmsted ranks 48th of 198 Illinois banks on CET1 ratio, in the upper half at 19.91% (Q2 2026). At 19.91%, First State Bank of Olmsted's CET1 ratio is close to the 19.57% median for banks in the < $100M asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.91% |
| Tier 1 risk-based capital ratio | 19.91% |
| Total risk-based capital ratio | 20.87% |
| Tier 1 leverage ratio | 12.57% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $9.7M |
| Tier 1 capital | $9.7M |
| Total risk-based capital | $10.2M |
| Total equity capital | $9.7M |
| Risk-weighted assets | $48.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.40% |
| Tangible equity to tangible assets | 12.40% |
| Equity capital to average assets | 12.57% |
| Internal capital growth rate | 9.94% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $1.0M |
| Retained earnings | $8.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$288K |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 15.73% | 15.73% | 16.85% | 8.95% | $39.4M |
| Q4 2023 | 17.03% | 17.03% | 18.14% | 9.88% | $39.9M |
| Q1 2024 | 16.87% | 16.87% | 17.96% | 9.81% | $41.0M |
| Q2 2024 | 16.73% | 16.73% | 17.78% | 10.00% | $43.0M |
| Q3 2024 | 19.23% | 19.23% | 20.34% | 10.63% | $40.9M |
| Q4 2024 | 21.45% | 21.45% | 22.55% | 11.93% | $41.4M |
| Q1 2025 | 20.61% | 20.61% | 21.71% | 11.58% | $41.9M |
| Q2 2025 | — | — | — | 11.91% | — |
| Q3 2025 | — | — | — | 11.90% | — |
| Q4 2025 | — | — | — | 12.00% | — |
| Q1 2026 | — | — | — | 12.30% | — |
| Q2 2026 | 19.91% | 19.91% | 20.87% | 12.57% | $48.7M |
First State Bank of Olmsted regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Olmsted, 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 Olmsted profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10437) · FFIEC NIC profile (RSSD 413347)