Highland 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.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.68 percentage points to 12.20%.
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 | 11.98% |
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 | $5.5M |
| Tier 1 capital | $5.5M |
| Total risk-based capital | — |
| Total equity capital | $5.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.20% |
| Tangible equity to tangible assets | 12.20% |
| Equity capital to average assets | 11.98% |
| Internal capital growth rate | 4.43% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $70K |
| Common stock surplus | $720K |
| Retained earnings | $4.7M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 11.19% | 11.12% | 11.12% |
| Q4 2023 | 11.28% | 10.99% | 10.99% |
| Q1 2024 | 11.70% | 11.62% | 11.62% |
| Q2 2024 | 11.94% | 11.85% | 11.85% |
| Q3 2024 | 11.94% | 11.60% | 11.60% |
| Q4 2024 | 11.69% | 11.43% | 11.43% |
| Q1 2025 | 11.93% | 11.92% | 11.92% |
| Q2 2025 | 11.93% | 11.83% | 11.83% |
| Q3 2025 | 11.95% | 11.79% | 11.79% |
| Q4 2025 | 11.73% | 10.96% | 10.96% |
| Q1 2026 | 11.84% | 11.52% | 11.52% |
| Q2 2026 | 11.98% | 12.20% | 12.20% |
Highland State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Highland 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 Highland State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6198) · FFIEC NIC profile (RSSD 681249)