Garden Plain 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 Total risk-based capital ratio: 3.85 percentage points higher than in Q1 2026, at 26.63%. Within Kansas, Garden Plain State Bank is 12th of 85 on CET1 ratio, 25.80% as of Q2 2026, above the middle of the field. Against a median of 15.07% for banks in the $100M-1B asset tier, Garden Plain State Bank reported 25.80% on CET1 ratio in Q2 2026, 10.73 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 25.80% |
| Tier 1 risk-based capital ratio | 25.80% |
| Total risk-based capital ratio | 26.63% |
| Tier 1 leverage ratio | 15.24% |
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 | $28.9M |
| Tier 1 capital | $28.9M |
| Total risk-based capital | $29.8M |
| Total equity capital | $28.0M |
| Risk-weighted assets | $112.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.62% |
| Tangible equity to tangible assets | 14.52% |
| Equity capital to average assets | 14.74% |
| Internal capital growth rate | 14.62% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $960K |
| Common stock surplus | $960K |
| Retained earnings | $27.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | 23.55% | 23.55% | 24.44% | 15.14% | $90.6M |
| Q4 2023 | 23.55% | 23.55% | 24.42% | 15.73% | $93.5M |
| Q1 2024 | 23.76% | 23.76% | 24.62% | 15.60% | $94.8M |
| Q2 2024 | 24.21% | 24.21% | 25.06% | 15.64% | $96.2M |
| Q3 2024 | 24.10% | 24.10% | 24.92% | 15.78% | $99.6M |
| Q4 2024 | 24.34% | 24.34% | 25.15% | 16.07% | $101.3M |
| Q1 2025 | 24.53% | 24.53% | 25.30% | 15.49% | $102.7M |
| Q2 2025 | 24.70% | 24.70% | 25.49% | 15.92% | $105.0M |
| Q3 2025 | 23.99% | 23.99% | 24.76% | 15.12% | $111.3M |
| Q4 2025 | 24.03% | 24.03% | 24.81% | 15.49% | $114.0M |
| Q1 2026 | 22.07% | 22.07% | 22.78% | 14.95% | $126.5M |
| Q2 2026 | 25.80% | 25.80% | 26.63% | 15.24% | $112.0M |
Garden Plain State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Garden Plain 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 Garden Plain State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19687) · FFIEC NIC profile (RSSD 987651)