The First State Bank of Shelby: 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 fell 0.27 percentage points from Q1 2026 to Q2 2026, ending at 15.01% against 15.28%. 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 | 19.38% |
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 | $33.2M |
| Tier 1 capital | $33.2M |
| Total risk-based capital | — |
| Total equity capital | $26.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.01% |
| Tangible equity to tangible assets | 15.01% |
| Equity capital to average assets | 15.41% |
| Internal capital growth rate | 8.64% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $6.2M |
| Retained earnings | $25.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.8M |
| 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 | 20.08% | 14.03% | 14.03% |
| Q4 2023 | 20.10% | 15.27% | 15.27% |
| Q1 2024 | 20.46% | 15.09% | 15.09% |
| Q2 2024 | 20.80% | 15.77% | 15.77% |
| Q3 2024 | 20.90% | 16.93% | 16.93% |
| Q4 2024 | 20.81% | 14.64% | 14.64% |
| Q1 2025 | 20.94% | 15.39% | 15.39% |
| Q2 2025 | 20.87% | 15.48% | 15.48% |
| Q3 2025 | 20.84% | 15.98% | 15.98% |
| Q4 2025 | 19.31% | 15.68% | 15.68% |
| Q1 2026 | 19.69% | 15.28% | 15.28% |
| Q2 2026 | 19.38% | 15.01% | 15.01% |
The First State Bank of Shelby 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 Shelby, 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 Shelby profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11013) · FFIEC NIC profile (RSSD 686758)