First State Community 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.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 5.1% to $441.5M. First State Community Bank ranks 43rd of 97 Missouri banks on CET1 ratio, in the upper half at 14.35% (Q2 2026). First State Community Bank reported 14.35% on CET1 ratio for Q2 2026, 0.85 points above the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.35% |
| Tier 1 risk-based capital ratio | 14.35% |
| Total risk-based capital ratio | 15.43% |
| Tier 1 leverage ratio | 11.68% |
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 | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $521.0M |
| Tier 1 capital | $521.0M |
| Total risk-based capital | $560.2M |
| Total equity capital | $562.1M |
| Risk-weighted assets | $3.63B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.48% |
| Tangible equity to tangible assets | 10.94% |
| Equity capital to average assets | 12.39% |
| Internal capital growth rate | 15.91% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $299K |
| Common stock surplus | $156.7M |
| Retained earnings | $441.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$36.4M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.22% | 12.22% | 13.09% | 10.86% | $3.30B |
| Q4 2023 | 12.50% | 12.50% | 13.38% | 11.28% | $3.36B |
| Q1 2024 | 12.31% | 12.31% | 13.21% | 10.88% | $3.38B |
| Q2 2024 | 12.92% | 12.92% | 13.80% | 11.22% | $3.33B |
| Q3 2024 | 13.64% | 13.64% | 14.55% | 11.42% | $3.26B |
| Q4 2024 | 13.67% | 13.67% | 14.57% | 11.61% | $3.37B |
| Q1 2025 | 13.53% | 13.53% | 14.47% | 11.21% | $3.36B |
| Q2 2025 | 13.75% | 13.75% | 14.72% | 11.36% | $3.37B |
| Q3 2025 | 13.66% | 13.66% | 14.60% | 11.58% | $3.52B |
| Q4 2025 | 14.03% | 14.03% | 15.03% | 11.80% | $3.57B |
| Q1 2026 | 13.77% | 13.77% | 14.81% | 11.45% | $3.62B |
| Q2 2026 | 14.35% | 14.35% | 15.43% | 11.68% | $3.63B |
First State Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Community 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 First State Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17323) · FFIEC NIC profile (RSSD 707354)