Greater 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, Retained earnings rose 6.3% in Q2 2026 to $10.1M, the biggest move on this page. Within Texas, Greater State Bank is 132nd of 184 on CET1 ratio, 14.45% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Greater State Bank sits 0.62 points lower, at 14.45% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.45% |
| Tier 1 risk-based capital ratio | 14.45% |
| Total risk-based capital ratio | 15.70% |
| Tier 1 leverage ratio | 11.05% |
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 | $19.9M |
| Tier 1 capital | $19.9M |
| Total risk-based capital | $21.6M |
| Total equity capital | $19.8M |
| Risk-weighted assets | $137.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.01% |
| Tangible equity to tangible assets | 11.01% |
| Equity capital to average assets | 11.04% |
| Internal capital growth rate | 12.58% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.1M |
| Common stock surplus | $6.6M |
| Retained earnings | $10.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$25K |
| 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 | 14.71% | 14.71% | 15.97% | 9.20% | $90.6M |
| Q4 2023 | 14.57% | 14.57% | 15.82% | 9.09% | $93.9M |
| Q1 2024 | 14.48% | 14.48% | 15.73% | 9.21% | $97.1M |
| Q2 2024 | 13.82% | 13.82% | 15.07% | 9.12% | $105.0M |
| Q3 2024 | 14.20% | 14.20% | 15.45% | 9.31% | $106.1M |
| Q4 2024 | 16.19% | 16.19% | 17.45% | 9.59% | $102.7M |
| Q1 2025 | 15.46% | 15.46% | 16.71% | 10.04% | $111.7M |
| Q2 2025 | 15.16% | 15.16% | 16.41% | 10.47% | $117.4M |
| Q3 2025 | 15.31% | 15.31% | 16.56% | 10.47% | $120.1M |
| Q4 2025 | 14.30% | 14.30% | 15.55% | 10.46% | $130.0M |
| Q1 2026 | 14.37% | 14.37% | 15.63% | 10.71% | $133.0M |
| Q2 2026 | 14.45% | 14.45% | 15.70% | 11.05% | $137.5M |
Greater State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Greater 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 Greater State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31762) · FFIEC NIC profile (RSSD 518877)