Frontier 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 standout move of Q2 2026 was in Accumulated other comprehensive income: 47.4% lower than in Q1 2026, at -$1.9M.
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 | 11.54% |
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 | $69.4M |
| Tier 1 capital | $69.4M |
| Total risk-based capital | — |
| Total equity capital | $67.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.09% |
| Tangible equity to tangible assets | 11.09% |
| Equity capital to average assets | 11.22% |
| Internal capital growth rate | 2.65% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $800K |
| Common stock surplus | $60.5M |
| Retained earnings | $8.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.9M |
| 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 | 14.10% | 14.10% | 15.33% | 12.98% | $461.5M |
| Q4 2023 | 13.12% | 13.12% | 14.28% | 12.79% | $496.1M |
| Q1 2024 | 13.40% | 13.40% | 14.59% | 12.28% | $499.2M |
| Q2 2024 | 13.30% | 13.30% | 14.50% | 12.24% | $502.2M |
| Q3 2024 | 13.55% | 13.55% | 14.79% | 12.54% | $494.0M |
| Q4 2024 | — | — | — | 12.51% | — |
| Q1 2025 | — | — | — | 12.34% | — |
| Q2 2025 | — | — | — | 11.77% | — |
| Q3 2025 | — | — | — | 11.99% | — |
| Q4 2025 | — | — | — | 11.96% | — |
| Q1 2026 | — | — | — | 11.69% | — |
| Q2 2026 | — | — | — | 11.54% | — |
Frontier State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Frontier 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 Frontier State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21978) · FFIEC NIC profile (RSSD 632858)