First State Bank of St. Charles, Missouri: 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 Accumulated other comprehensive income: 7.5% lower than in Q1 2026, at -$1.9M. First State Bank of St. Charles, Missouri ranks 32nd of 98 Missouri banks on CET1 ratio, in the upper half at 15.77% (Q2 2026). First State Bank of St. Charles, Missouri reported 15.77% on CET1 ratio for Q2 2026, 0.70 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.77% |
| Tier 1 risk-based capital ratio | 15.77% |
| Total risk-based capital ratio | 17.01% |
| Tier 1 leverage ratio | 15.65% |
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 | $85.1M |
| Tier 1 capital | $85.1M |
| Total risk-based capital | $91.7M |
| Total equity capital | $83.2M |
| Risk-weighted assets | $539.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.54% |
| Tangible equity to tangible assets | 15.54% |
| Equity capital to average assets | 15.30% |
| Internal capital growth rate | 1.44% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.4M |
| Common stock surplus | $600K |
| Retained earnings | $83.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.9M |
| 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 | 16.11% | 16.11% | 17.36% | 14.10% | $480.0M |
| Q4 2023 | 16.04% | 16.04% | 17.29% | 14.30% | $488.9M |
| Q1 2024 | 15.90% | 15.90% | 17.15% | 14.53% | $497.9M |
| Q2 2024 | 15.66% | 15.66% | 16.91% | 14.60% | $513.0M |
| Q3 2024 | 15.95% | 15.95% | 17.20% | 14.85% | $513.3M |
| Q4 2024 | 16.24% | 16.24% | 17.49% | 15.17% | $509.7M |
| Q1 2025 | 16.03% | 16.03% | 17.28% | 15.79% | $522.6M |
| Q2 2025 | 15.98% | 15.98% | 17.23% | 15.53% | $530.3M |
| Q3 2025 | 16.30% | 16.30% | 17.55% | 15.60% | $529.9M |
| Q4 2025 | 16.40% | 16.40% | 17.64% | 15.44% | $536.2M |
| Q1 2026 | 15.79% | 15.79% | 17.03% | 15.19% | $536.9M |
| Q2 2026 | 15.77% | 15.77% | 17.01% | 15.65% | $539.3M |
First State Bank of St. Charles, Missouri regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of St. Charles, Missouri, 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 St. Charles, Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12219) · FFIEC NIC profile (RSSD 345756)