The Halstead 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.
Risk-weighted assets rose 4.1% from Q1 2026 to Q2 2026, ending at $155.5M against $149.4M. It was the largest change among the key lines on this page. Within Kansas, The Halstead Bank is 75th of 86 on CET1 ratio, 11.32% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. The Halstead Bank sits 3.77 points lower, at 11.32% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.32% |
| Tier 1 risk-based capital ratio | 11.32% |
| Total risk-based capital ratio | 12.57% |
| Tier 1 leverage ratio | 8.56% |
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 | $17.6M |
| Tier 1 capital | $17.6M |
| Total risk-based capital | $19.5M |
| Total equity capital | $17.4M |
| Risk-weighted assets | $155.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.45% |
| Tangible equity to tangible assets | 8.45% |
| Equity capital to average assets | 8.46% |
| Internal capital growth rate | -5.02% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $120K |
| Common stock surplus | $5.5M |
| Retained earnings | $12.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$195K |
| 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 | 11.65% | 11.65% | 12.84% | 8.30% | $117.9M |
| Q4 2023 | 11.50% | 11.50% | 12.61% | 8.79% | $124.8M |
| Q1 2024 | 11.27% | 11.27% | 12.35% | 8.67% | $129.4M |
| Q2 2024 | 10.92% | 10.92% | 11.97% | 8.88% | $136.9M |
| Q3 2024 | 11.25% | 11.25% | 12.34% | 8.62% | $136.6M |
| Q4 2024 | 11.24% | 11.24% | 12.34% | 8.86% | $141.6M |
| Q1 2025 | 11.10% | 11.10% | 12.20% | 8.94% | $149.5M |
| Q2 2025 | 11.08% | 11.08% | 12.22% | 8.68% | $151.1M |
| Q3 2025 | 11.71% | 11.71% | 12.93% | 8.80% | $148.6M |
| Q4 2025 | 11.53% | 11.53% | 12.78% | 8.72% | $149.4M |
| Q1 2026 | 11.93% | 11.93% | 13.18% | 8.50% | $149.4M |
| Q2 2026 | 11.32% | 11.32% | 12.57% | 8.56% | $155.5M |
The Halstead Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Halstead 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 Halstead Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17451) · FFIEC NIC profile (RSSD 747257)