Jonesburg 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%.
Retained earnings rose 3.6% from Q1 2026 to Q2 2026, ending at $13.7M against $13.2M. It was the largest change among the key lines on this page. Within Missouri, Jonesburg State Bank is 40th of 98 on CET1 ratio, 14.98% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio; Jonesburg State Bank reported 14.98% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.98% |
| Tier 1 risk-based capital ratio | 14.98% |
| Total risk-based capital ratio | 16.18% |
| Tier 1 leverage ratio | 9.95% |
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 | $14.0M |
| Tier 1 capital | $14.0M |
| Total risk-based capital | $15.1M |
| Total equity capital | $13.9M |
| Risk-weighted assets | $93.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.52% |
| Tangible equity to tangible assets | 9.52% |
| Equity capital to average assets | 9.87% |
| Internal capital growth rate | 14.23% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $150K |
| Retained earnings | $13.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$117K |
| 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 | 14.19% | 14.19% | 15.44% | 8.73% | $78.5M |
| Q4 2023 | 13.91% | 13.91% | 15.16% | 8.57% | $80.2M |
| Q1 2024 | 13.89% | 13.89% | 15.15% | 8.55% | $80.7M |
| Q2 2024 | 14.11% | 14.11% | 15.36% | 8.78% | $81.7M |
| Q3 2024 | 14.50% | 14.50% | 15.74% | 9.19% | $84.7M |
| Q4 2024 | 13.66% | 13.66% | 14.87% | 8.87% | $87.5M |
| Q1 2025 | 14.15% | 14.15% | 15.40% | 9.03% | $86.0M |
| Q2 2025 | 13.77% | 13.77% | 14.95% | 8.52% | $91.6M |
| Q3 2025 | 14.29% | 14.29% | 15.49% | 9.30% | $91.4M |
| Q4 2025 | 14.45% | 14.45% | 15.66% | 9.40% | $91.3M |
| Q1 2026 | 14.52% | 14.52% | 15.72% | 9.79% | $92.9M |
| Q2 2026 | 14.98% | 14.98% | 16.18% | 9.95% | $93.3M |
Jonesburg State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Jonesburg 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 Jonesburg State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8896) · FFIEC NIC profile (RSSD 733755)