Firstar 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.
Total risk-based capital ratio rose 0.58 percentage points from Q1 2026 to Q2 2026, ending at 13.70% against 13.12%. It was the largest change among the key lines on this page. Firstar Bank ranks 55th of 71 Oklahoma banks on CET1 ratio, in the lower half at 12.64% (Q2 2026). Firstar Bank reported 12.64% on CET1 ratio for Q2 2026, 0.85 points below 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 | 12.64% |
| Tier 1 risk-based capital ratio | 12.64% |
| Total risk-based capital ratio | 13.70% |
| Tier 1 leverage ratio | 9.03% |
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 | $109.4M |
| Tier 1 capital | $109.4M |
| Total risk-based capital | $118.5M |
| Total equity capital | $135.7M |
| Risk-weighted assets | $865.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.95% |
| Tangible equity to tangible assets | 8.55% |
| Equity capital to average assets | 10.92% |
| Internal capital growth rate | 5.01% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $482K |
| Common stock surplus | $81.5M |
| Retained earnings | $59.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.2M |
| 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 | 10.19% | 10.19% | 11.22% | 8.65% | $793.0M |
| Q4 2023 | 10.40% | 10.40% | 11.42% | 8.76% | $787.8M |
| Q1 2024 | 10.18% | 10.18% | 11.25% | 8.69% | $824.9M |
| Q2 2024 | 10.69% | 10.69% | 11.80% | 8.16% | $853.8M |
| Q3 2024 | 11.18% | 11.18% | 12.20% | 8.89% | $840.0M |
| Q4 2024 | 11.25% | 11.25% | 12.25% | 8.98% | $841.7M |
| Q1 2025 | 11.52% | 11.52% | 12.49% | 9.18% | $847.2M |
| Q2 2025 | 11.61% | 11.61% | 12.61% | 9.22% | $858.8M |
| Q3 2025 | 11.72% | 11.72% | 12.72% | 9.50% | $869.9M |
| Q4 2025 | 11.37% | 11.37% | 12.35% | 9.23% | $884.4M |
| Q1 2026 | 12.09% | 12.09% | 13.12% | 9.21% | $889.4M |
| Q2 2026 | 12.64% | 12.64% | 13.70% | 9.03% | $865.0M |
Firstar Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Firstar 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 Firstar Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19288) · FFIEC NIC profile (RSSD 427353)