Jonesboro 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 29.6% higher than in Q1 2026, at -$13.4M. Within Louisiana, Jonesboro State Bank is 18th of 46 on CET1 ratio, 18.70% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Jonesboro State Bank sits 5.22 points higher, at 18.70% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.70% |
| Tier 1 risk-based capital ratio | 18.70% |
| Total risk-based capital ratio | 18.99% |
| Tier 1 leverage ratio | 7.67% |
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 | $99.5M |
| Tier 1 capital | $99.5M |
| Total risk-based capital | $101.0M |
| Total equity capital | $86.1M |
| Risk-weighted assets | $531.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.63% |
| Tangible equity to tangible assets | 6.63% |
| Equity capital to average assets | 6.64% |
| Internal capital growth rate | 31.36% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $480K |
| Common stock surplus | $28.7M |
| Retained earnings | $70.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$13.4M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 21.45% | 21.45% | 22.73% | 10.11% | $350.3M |
| Q4 2023 | 19.14% | 19.14% | 20.41% | 8.78% | $348.1M |
| Q1 2024 | 20.04% | 20.04% | 21.31% | 8.34% | $334.4M |
| Q2 2024 | 20.41% | 20.41% | 21.67% | 8.67% | $343.6M |
| Q3 2024 | 19.76% | 19.76% | 21.01% | 8.46% | $349.7M |
| Q4 2024 | 19.29% | 19.29% | 20.55% | 8.57% | $393.9M |
| Q1 2025 | 20.00% | 20.00% | 21.25% | 8.00% | $402.6M |
| Q2 2025 | 20.72% | 20.72% | 21.78% | 7.19% | $395.1M |
| Q3 2025 | 20.94% | 20.94% | 21.75% | 7.39% | $405.0M |
| Q4 2025 | 22.17% | 22.17% | 22.80% | 7.07% | $393.7M |
| Q1 2026 | 20.69% | 20.69% | 21.11% | 7.26% | $451.7M |
| Q2 2026 | 18.70% | 18.70% | 18.99% | 7.67% | $531.8M |
Jonesboro State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Jonesboro 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 Jonesboro State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9325) · FFIEC NIC profile (RSSD 121651)