The First State Bank: 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Compared with Q1 2026, Equity capital to average assets rose 0.51 percentage points in Q2 2026 to 10.62%, the biggest move 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 | 13.05% |
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 | $66.2M |
| Tier 1 capital | $66.2M |
| Total risk-based capital | — |
| Total equity capital | $54.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.99% |
| Tangible equity to tangible assets | 10.36% |
| Equity capital to average assets | 10.62% |
| Internal capital growth rate | 11.09% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $16.1M |
| Retained earnings | $53.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$15.4M |
| 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 | 10.38% | 6.54% | 5.84% |
| Q4 2023 | 10.49% | 7.21% | 6.52% |
| Q1 2024 | 10.91% | 7.51% | 6.82% |
| Q2 2024 | 10.90% | 7.43% | 6.77% |
| Q3 2024 | 10.95% | 8.30% | 7.65% |
| Q4 2024 | 11.14% | 8.17% | 7.53% |
| Q1 2025 | 11.61% | 8.95% | 8.30% |
| Q2 2025 | 11.87% | 9.24% | 8.60% |
| Q3 2025 | 11.99% | 9.61% | 8.99% |
| Q4 2025 | 12.19% | 9.86% | 9.26% |
| Q1 2026 | 12.54% | 10.54% | 9.92% |
| Q2 2026 | 13.05% | 10.99% | 10.36% |
The First State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The First State Bank, 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 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5835) · FFIEC NIC profile (RSSD 394259)