Grant County 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%.
Compared with Q1 2026, Risk-weighted assets rose 3.9% in Q2 2026 to $264.0M, the biggest move on this page. Within Indiana, Grant County State Bank is 6th of 50 on CET1 ratio, 17.55% as of Q2 2026, above the middle of the field. Grant County State Bank reported 17.55% on CET1 ratio for Q2 2026, 2.48 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.55% |
| Tier 1 risk-based capital ratio | 17.55% |
| Total risk-based capital ratio | 18.81% |
| Tier 1 leverage ratio | 11.73% |
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 | $46.3M |
| Tier 1 capital | $46.3M |
| Total risk-based capital | $49.7M |
| Total equity capital | $46.3M |
| Risk-weighted assets | $264.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.71% |
| Tangible equity to tangible assets | 11.71% |
| Equity capital to average assets | 11.73% |
| Internal capital growth rate | -0.86% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $220K |
| Common stock surplus | $2.1M |
| Retained earnings | $44.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 19.39% | 19.39% | 20.65% | 13.48% | $202.3M |
| Q4 2023 | 18.44% | 18.44% | 19.70% | 12.65% | $215.1M |
| Q1 2024 | 19.80% | 19.80% | 21.06% | 12.94% | $214.5M |
| Q2 2024 | 18.94% | 18.94% | 20.20% | 13.02% | $226.4M |
| Q3 2024 | 20.01% | 20.01% | 21.28% | 13.40% | $228.2M |
| Q4 2024 | 19.94% | 19.94% | 21.20% | 12.77% | $229.5M |
| Q1 2025 | 20.65% | 20.65% | 21.91% | 13.50% | $235.1M |
| Q2 2025 | 18.68% | 18.68% | 19.93% | 12.57% | $249.9M |
| Q3 2025 | 17.41% | 17.41% | 18.66% | 11.86% | $258.8M |
| Q4 2025 | 17.60% | 17.60% | 18.87% | 11.18% | $249.3M |
| Q1 2026 | 18.27% | 18.27% | 19.54% | 11.92% | $254.1M |
| Q2 2026 | 17.55% | 17.55% | 18.81% | 11.73% | $264.0M |
Grant County State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Grant County 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 Grant County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15687) · FFIEC NIC profile (RSSD 933340)