First State Bank of the South, Inc.: 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%.
In Q2 2026, Total equity capital edged up by 1.8%, from $19.5M to $19.8M, the largest move among the key lines here.
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 | 16.38% |
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 | $21.4M |
| Tier 1 capital | $21.4M |
| Total risk-based capital | — |
| Total equity capital | $19.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.16% |
| Tangible equity to tangible assets | 15.16% |
| Equity capital to average assets | 15.19% |
| Internal capital growth rate | 6.76% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $20K |
| Common stock surplus | $480K |
| Retained earnings | $20.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.6M |
| 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 | 16.64% | 12.53% | 12.53% |
| Q4 2023 | 16.43% | 13.29% | 13.29% |
| Q1 2024 | 16.26% | 12.92% | 12.92% |
| Q2 2024 | 15.75% | 12.97% | 12.97% |
| Q3 2024 | 16.43% | 14.42% | 14.42% |
| Q4 2024 | 15.86% | 13.42% | 13.42% |
| Q1 2025 | 15.99% | 13.30% | 13.30% |
| Q2 2025 | 15.57% | 14.02% | 14.02% |
| Q3 2025 | 16.39% | 15.26% | 15.26% |
| Q4 2025 | 15.90% | 14.90% | 14.90% |
| Q1 2026 | 16.33% | 15.05% | 15.05% |
| Q2 2026 | 16.38% | 15.16% | 15.16% |
First State Bank of the South, Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of the South, Inc., 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 the South, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21050) · FFIEC NIC profile (RSSD 250430)