First State Bank of St. Peter: 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, Common equity Tier 1 ratio rose 1.08 percentage points in Q2 2026 to 45.91%, the biggest move on this page. Among 198 Illinois banks, First State Bank of St. Peter sits 6th from the top on CET1 ratio, 45.91% as of Q2 2026. Against a median of 19.57% for banks in the < $100M asset tier, First State Bank of St. Peter reported 45.91% on CET1 ratio in Q2 2026, 26.34 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 45.91% |
| Tier 1 risk-based capital ratio | 45.91% |
| Total risk-based capital ratio | 46.83% |
| Tier 1 leverage ratio | 18.52% |
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 | $5.7M |
| Tier 1 capital | $5.7M |
| Total risk-based capital | $5.8M |
| Total equity capital | $5.3M |
| Risk-weighted assets | $12.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 17.47% |
| Tangible equity to tangible assets | 17.47% |
| Equity capital to average assets | 17.10% |
| Internal capital growth rate | 2.90% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $950K |
| Retained earnings | $4.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$437K |
| 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 | 36.86% | 36.86% | 37.82% | 15.98% | $14.6M |
| Q4 2023 | 38.87% | 38.87% | 39.87% | 16.26% | $13.9M |
| Q1 2024 | 39.09% | 39.09% | 40.10% | 17.06% | $13.8M |
| Q2 2024 | 39.39% | 39.39% | 40.39% | 17.35% | $13.7M |
| Q3 2024 | 40.57% | 40.57% | 41.58% | 17.95% | $13.6M |
| Q4 2024 | 41.81% | 41.81% | 42.82% | 17.87% | $13.1M |
| Q1 2025 | 41.52% | 41.52% | 42.52% | 17.68% | $13.3M |
| Q2 2025 | 41.98% | 41.98% | 42.99% | 17.55% | $13.2M |
| Q3 2025 | 43.07% | 43.07% | 44.09% | 18.15% | $13.1M |
| Q4 2025 | 43.58% | 43.58% | 44.65% | 18.21% | $12.9M |
| Q1 2026 | 44.83% | 44.83% | 45.93% | 18.57% | $12.6M |
| Q2 2026 | 45.91% | 45.91% | 46.83% | 18.52% | $12.4M |
First State Bank of St. Peter 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. Peter, 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. Peter profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11302) · FFIEC NIC profile (RSSD 426141)