Guaranty State Bank and Trust Company: 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 Tangible equity to tangible assets, which rose 0.37 percentage points to 10.24%.
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 | 11.60% |
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 | $45.4M |
| Tier 1 capital | $45.4M |
| Total risk-based capital | — |
| Total equity capital | $39.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.25% |
| Tangible equity to tangible assets | 10.24% |
| Equity capital to average assets | 9.99% |
| Internal capital growth rate | 7.80% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $6.5M |
| Retained earnings | $38.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.4M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 11.42% | 7.30% | 7.23% |
| Q4 2023 | 11.58% | 8.45% | 8.38% |
| Q1 2024 | 11.44% | 8.65% | 8.59% |
| Q2 2024 | 12.02% | 8.88% | 8.83% |
| Q3 2024 | 11.53% | 9.20% | 9.16% |
| Q4 2024 | 11.42% | 8.68% | 8.64% |
| Q1 2025 | 11.55% | 9.08% | 9.04% |
| Q2 2025 | 11.96% | 9.67% | 9.64% |
| Q3 2025 | 11.94% | 9.99% | 9.97% |
| Q4 2025 | 11.49% | 9.93% | 9.92% |
| Q1 2026 | 11.25% | 9.89% | 9.87% |
| Q2 2026 | 11.60% | 10.25% | 10.24% |
Guaranty State Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Guaranty State Bank and Trust Company, 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 Guaranty State Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10907) · FFIEC NIC profile (RSSD 1009756)