The Garrett 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 Risk-weighted assets, which rose 3.5% to $227.2M. Among 50 Indiana banks, The Garrett State Bank sits 5th from the top on CET1 ratio, 17.89% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The Garrett State Bank sits 2.82 points higher, at 17.89% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.89% |
| Tier 1 risk-based capital ratio | 17.89% |
| Total risk-based capital ratio | 19.14% |
| Tier 1 leverage ratio | 10.47% |
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 | $40.6M |
| Tier 1 capital | $40.6M |
| Total risk-based capital | $43.5M |
| Total equity capital | $40.0M |
| Risk-weighted assets | $227.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.00% |
| Tangible equity to tangible assets | 10.00% |
| Equity capital to average assets | 10.30% |
| Internal capital growth rate | 8.04% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $3.3M |
| Retained earnings | $36.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$659K |
| 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 | 18.31% | 18.31% | 19.57% | 10.32% | $186.0M |
| Q4 2023 | 18.00% | 18.00% | 19.25% | 10.01% | $191.4M |
| Q1 2024 | 17.92% | 17.92% | 19.17% | 10.19% | $194.6M |
| Q2 2024 | 17.91% | 17.91% | 19.16% | 10.35% | $198.3M |
| Q3 2024 | 18.13% | 18.13% | 19.38% | 10.38% | $199.3M |
| Q4 2024 | 18.01% | 18.01% | 19.27% | 10.22% | $202.5M |
| Q1 2025 | 18.04% | 18.04% | 19.29% | 10.48% | $205.7M |
| Q2 2025 | 18.41% | 18.41% | 19.66% | 10.32% | $203.9M |
| Q3 2025 | 18.09% | 18.09% | 19.34% | 10.08% | $211.7M |
| Q4 2025 | 18.11% | 18.11% | 19.36% | 10.08% | $214.6M |
| Q1 2026 | 18.15% | 18.15% | 19.40% | 10.53% | $219.6M |
| Q2 2026 | 17.89% | 17.89% | 19.14% | 10.47% | $227.2M |
The Garrett State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Garrett 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 The Garrett State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8074) · FFIEC NIC profile (RSSD 465243)