Howard 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%.
Accumulated other comprehensive income fell 4.7% from Q1 2026 to Q2 2026, ending at -$2.3M against -$2.2M. It was the largest change among the key lines on this page. Howard State Bank ranks 33rd of 85 Kansas banks on CET1 ratio, in the upper half at 15.86% (Q2 2026). Howard State Bank reported 15.86% on CET1 ratio for Q2 2026, 3.64 points below the 19.50% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.86% |
| Tier 1 risk-based capital ratio | 15.86% |
| Total risk-based capital ratio | 16.96% |
| Tier 1 leverage ratio | 12.21% |
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 | $9.8M |
| Tier 1 capital | $9.8M |
| Total risk-based capital | $10.4M |
| Total equity capital | $7.4M |
| Risk-weighted assets | $61.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.24% |
| Tangible equity to tangible assets | 9.24% |
| Equity capital to average assets | 9.27% |
| Internal capital growth rate | 7.81% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $1.4M |
| Retained earnings | $8.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.3M |
| 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 | 15.53% | 15.53% | 16.78% | 10.80% | $49.2M |
| Q4 2023 | 14.62% | 14.62% | 15.86% | 10.50% | $52.4M |
| Q1 2024 | 15.22% | 15.22% | 16.45% | 10.75% | $52.6M |
| Q2 2024 | 15.10% | 15.10% | 16.30% | 11.45% | $54.3M |
| Q3 2024 | 15.64% | 15.64% | 16.85% | 11.81% | $53.2M |
| Q4 2024 | 14.82% | 14.82% | 15.90% | 11.85% | $56.2M |
| Q1 2025 | 15.60% | 15.60% | 16.66% | 11.78% | $55.5M |
| Q2 2025 | 14.92% | 14.92% | 15.91% | 11.98% | $59.7M |
| Q3 2025 | 14.93% | 14.93% | 16.04% | 11.84% | $60.7M |
| Q4 2025 | 14.33% | 14.33% | 15.39% | 11.54% | $63.4M |
| Q1 2026 | 15.90% | 15.90% | 17.02% | 11.80% | $60.4M |
| Q2 2026 | 15.86% | 15.86% | 16.96% | 12.21% | $61.5M |
Howard State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Howard 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 Howard State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4693) · FFIEC NIC profile (RSSD 998358)