Five Star 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 largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 3.6% to $416.8M. Within New York, Five Star Bank is 69th of 82 on CET1 ratio, 12.72% as of Q2 2026. Five Star Bank reported 12.72% on CET1 ratio for Q2 2026, 0.77 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 | 12.72% |
| Tier 1 risk-based capital ratio | 12.72% |
| Total risk-based capital ratio | 13.69% |
| Tier 1 leverage ratio | 10.87% |
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 | $677.9M |
| Tier 1 capital | $677.9M |
| Total risk-based capital | $729.7M |
| Total equity capital | $680.5M |
| Risk-weighted assets | $5.33B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.81% |
| Tangible equity to tangible assets | 10.12% |
| Equity capital to average assets | 10.85% |
| Internal capital growth rate | 8.59% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $306.7M |
| Retained earnings | $416.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$43.3M |
| 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 | 10.52% | 10.52% | 11.43% | 8.99% | $5.25B |
| Q4 2023 | 10.82% | 10.82% | 11.76% | 9.06% | $5.20B |
| Q1 2024 | 10.79% | 10.79% | 11.63% | 8.88% | $5.16B |
| Q2 2024 | 11.47% | 11.47% | 12.32% | 9.53% | $5.17B |
| Q3 2024 | 11.70% | 11.70% | 12.59% | 9.89% | $5.13B |
| Q4 2024 | 11.65% | 11.65% | 12.60% | 9.79% | $5.18B |
| Q1 2025 | 11.46% | 11.46% | 12.45% | 9.88% | $5.34B |
| Q2 2025 | 11.92% | 11.92% | 12.90% | 10.07% | $5.22B |
| Q3 2025 | 12.21% | 12.21% | 13.20% | 10.39% | $5.21B |
| Q4 2025 | 12.32% | 12.32% | 13.33% | 10.44% | $5.27B |
| Q1 2026 | 12.71% | 12.71% | 13.67% | 10.73% | $5.22B |
| Q2 2026 | 12.72% | 12.72% | 13.69% | 10.87% | $5.33B |
Five Star Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Five Star 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 Five Star Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 659) · FFIEC NIC profile (RSSD 601416)