Four States 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%.
Equity capital to average assets dropped 4.69 percentage points in Q2 2026, from 20.53% to 15.84%. It was the largest change from Q1 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.85% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $21.3M |
| Tier 1 capital | $21.3M |
| Total risk-based capital | — |
| Total equity capital | $21.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.97% |
| Tangible equity to tangible assets | 14.97% |
| Equity capital to average assets | 15.84% |
| Internal capital growth rate | 0.26% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $10.0M |
| Common stock surplus | $13.9M |
| Retained earnings | -$2.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 8 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2024 | 96.81% | 91.03% | 91.03% |
| Q4 2024 | 61.93% | 42.61% | 42.61% |
| Q1 2025 | 40.66% | 35.65% | 35.65% |
| Q2 2025 | 33.02% | 29.90% | 29.90% |
| Q3 2025 | 27.43% | 26.71% | 26.71% |
| Q4 2025 | 26.15% | 22.31% | 22.31% |
| Q1 2026 | 20.53% | 18.26% | 18.26% |
| Q2 2026 | 15.85% | 14.97% | 14.97% |
Four States Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Four States 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 Four States Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59352) · FFIEC NIC profile (RSSD 5903517)