The Gerber 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Equity capital to average assets fell 0.32 percentage points from Q1 2026 to Q2 2026, ending at 9.51% against 9.82%. It was the largest change among the key lines on this page.
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 | 12.31% |
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 | $12.9M |
| Tier 1 capital | $12.9M |
| Total risk-based capital | — |
| Total equity capital | $9.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.87% |
| Tangible equity to tangible assets | 9.87% |
| Equity capital to average assets | 9.51% |
| Internal capital growth rate | 5.84% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $1.5M |
| Retained earnings | $10.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.9M |
| 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 | 22.85% | 22.85% | 24.09% | 11.94% | $49.7M |
| Q4 2023 | 21.94% | 21.94% | 23.19% | 12.03% | $52.6M |
| Q1 2024 | 21.96% | 21.96% | 23.21% | 11.83% | $52.4M |
| Q2 2024 | 22.85% | 22.85% | 24.10% | 12.52% | $51.1M |
| Q3 2024 | 22.74% | 22.74% | 23.99% | 12.51% | $52.0M |
| Q4 2024 | 22.71% | 22.71% | 23.96% | 12.60% | $53.3M |
| Q1 2025 | 22.25% | 22.25% | 23.51% | 12.96% | $53.9M |
| Q2 2025 | 22.40% | 22.40% | 23.65% | 13.33% | $54.3M |
| Q3 2025 | — | — | — | 12.18% | — |
| Q4 2025 | — | — | — | 11.87% | — |
| Q1 2026 | — | — | — | 12.51% | — |
| Q2 2026 | — | — | — | 12.31% | — |
The Gerber State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Gerber 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 Gerber State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 899) · FFIEC NIC profile (RSSD 663638)