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%.
The standout move of Q2 2026 was in Equity capital to average assets: 1.09 percentage points lower than in Q1 2026, at 12.79%.
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 | 12.78% |
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 | $7.6M |
| Tier 1 capital | $7.6M |
| Total risk-based capital | — |
| Total equity capital | $7.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.63% |
| Tangible equity to tangible assets | 13.63% |
| Equity capital to average assets | 12.79% |
| Internal capital growth rate | 12.70% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $600K |
| Retained earnings | $7.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $4K |
| 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 | 12.75% | 12.45% | 12.45% |
| Q4 2023 | 13.18% | 13.15% | 13.15% |
| Q1 2024 | 13.17% | 12.71% | 12.71% |
| Q2 2024 | 13.31% | 13.34% | 13.34% |
| Q3 2024 | 13.58% | 13.71% | 13.71% |
| Q4 2024 | 13.93% | 13.82% | 13.82% |
| Q1 2025 | 13.67% | 13.15% | 13.15% |
| Q2 2025 | 13.73% | 13.70% | 13.70% |
| Q3 2025 | 14.64% | 14.79% | 14.79% |
| Q4 2025 | 14.63% | 14.36% | 14.36% |
| Q1 2026 | 13.86% | 13.48% | 13.48% |
| Q2 2026 | 12.78% | 13.63% | 13.63% |
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 11527) · FFIEC NIC profile (RSSD 644057)