First State Bank & Trust: Tier 1 Leverage Ratio
Data as of · sourced from FFIEC call reports. How we update
First State Bank & Trust reported a tier 1 leverage ratio of 15.38% as of Q2 2026, ranking #330 of 3,622 U.S. banks (91st percentile). That is up 1.04 percentage points from 14.33% a year earlier, and above the 10.61% median of the 735 Midsize Community Banks ($500M–$1B in assets). The Tier 1 Leverage Ratio measures Tier 1 capital against unweighted average assets, a simpler backstop that prevents banks from gaming the risk-based capital rules.
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What is the Tier 1 Leverage Ratio?
The tier 1 leverage ratio is a bank's tier 1 capital divided by its average total consolidated assets. Unlike the risk-based ratios it gives every asset the same weight, so it caps how far a bank can stretch its balance sheet whatever the asset mix.
Read the leverage ratio next to the CET1 ratio. A bank with a 15% CET1 ratio and a 7% leverage ratio holds a large share of low-risk-weight assets such as securities and cash; when the two ratios are close, the balance sheet is loan-heavy. Very large banks run lower leverage ratios than community banks because their capital requirements bind on risk-based measures and the supplementary leverage ratio. Ratios far above 15% usually belong to trust and custody banks with small balance sheets.
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What is First State Bank & Trust's Tier 1 Leverage Ratio?
First State Bank & Trust's Tier 1 Leverage Ratio was 15.38% as of Q2 2026, ranking #330 of 3,622 U.S. banks.
What is the Tier 1 Leverage Ratio?
The tier 1 leverage ratio is a bank's tier 1 capital divided by its average total consolidated assets. Unlike the risk-based ratios it gives every asset the same weight, so it caps how far a bank can stretch its balance sheet whatever the asset mix.
More First State Bank & Trust metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full First State Bank & Trust profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 14801) · FFIEC NIC profile (RSSD 248455)