First State Bank Shannon-Polo: 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 Q3 2026 was in Accumulated other comprehensive income: 37.5% lower than in Q2 2026, at -$7.9M. First State Bank Shannon-Polo ranks 117th of 198 Illinois banks on CET1 ratio, in the lower half at 14.13% (Q3 2026). First State Bank Shannon-Polo reported 14.13% on CET1 ratio for Q3 2026, 0.94 points below the 15.07% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.13% |
| Tier 1 risk-based capital ratio | 14.13% |
| Total risk-based capital ratio | 15.04% |
| Tier 1 leverage ratio | 10.54% |
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 | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $20.2M |
| Tier 1 capital | $20.2M |
| Total risk-based capital | $21.5M |
| Total equity capital | $14.4M |
| Risk-weighted assets | $142.9M |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 7.62% |
| Tangible equity to tangible assets | 6.57% |
| Equity capital to average assets | 7.44% |
| Internal capital growth rate | 11.82% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $4.6M |
| Retained earnings | $17.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.9M |
| 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 |
|---|---|---|---|---|---|
| Q4 2023 | 12.98% | 12.98% | 14.14% | 8.26% | $138.4M |
| Q1 2024 | 13.23% | 13.23% | 14.37% | 8.80% | $138.8M |
| Q2 2024 | 13.38% | 13.38% | 14.53% | 9.31% | $138.2M |
| Q3 2024 | 13.31% | 13.31% | 14.45% | 9.30% | $139.4M |
| Q4 2024 | 13.59% | 13.59% | 14.59% | 9.26% | $137.1M |
| Q1 2025 | 13.84% | 13.84% | 14.86% | 9.25% | $134.2M |
| Q2 2025 | 13.75% | 13.75% | 14.75% | 9.58% | $136.7M |
| Q3 2025 | 13.82% | 13.82% | 14.80% | 9.84% | $138.5M |
| Q4 2025 | 13.48% | 13.48% | 14.42% | 9.71% | $142.4M |
| Q1 2026 | 13.57% | 13.57% | 14.50% | 10.03% | $144.7M |
| Q2 2026 | 13.80% | 13.80% | 14.69% | 10.31% | $142.8M |
| Q3 2026 | 14.13% | 14.13% | 15.04% | 10.54% | $142.9M |
First State Bank Shannon-Polo regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank Shannon-Polo, 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 Shannon-Polo profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1781) · FFIEC NIC profile (RSSD 232847)