Flanagan 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 largest change between Q1 2026 and Q2 2026 was in Tier 1 leverage ratio, which rose 0.74 percentage points to 9.59%. Flanagan State Bank ranks 142nd of 198 Illinois banks on CET1 ratio, in the lower half at 12.80% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Flanagan State Bank sits 2.27 points lower, at 12.80% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.80% |
| Tier 1 risk-based capital ratio | 12.80% |
| Total risk-based capital ratio | 13.60% |
| Tier 1 leverage ratio | 9.59% |
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 | $28.6M |
| Tier 1 capital | $28.6M |
| Total risk-based capital | $30.4M |
| Total equity capital | $20.1M |
| Risk-weighted assets | $223.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.68% |
| Tangible equity to tangible assets | 6.61% |
| Equity capital to average assets | 6.73% |
| Internal capital growth rate | 2.92% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $2.2M |
| Retained earnings | $26.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.7M |
| 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 | — | — | — | 9.17% | — |
| Q4 2023 | — | — | — | 8.99% | — |
| Q1 2024 | — | — | — | 8.94% | — |
| Q2 2024 | — | — | — | 9.00% | — |
| Q3 2024 | — | — | — | 8.66% | — |
| Q4 2024 | — | — | — | 8.63% | — |
| Q1 2025 | 12.90% | 12.90% | 13.66% | 8.58% | $208.5M |
| Q2 2025 | 12.34% | 12.34% | 13.07% | 8.72% | $222.3M |
| Q3 2025 | 12.08% | 12.08% | 12.82% | 8.64% | $229.7M |
| Q4 2025 | 11.92% | 11.92% | 12.66% | 8.78% | $237.5M |
| Q1 2026 | 13.22% | 13.22% | 14.03% | 8.86% | $214.8M |
| Q2 2026 | 12.80% | 12.80% | 13.60% | 9.59% | $223.3M |
Flanagan State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Flanagan 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 Flanagan State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11734) · FFIEC NIC profile (RSSD 979133)