Kalamazoo County 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: 9.0% higher than in Q1 2026, at -$1.8M. Kalamazoo County State Bank ranks 6th of 43 Michigan banks on CET1 ratio, in the upper half at 20.34% (Q2 2026). Kalamazoo County State Bank reported 20.34% on CET1 ratio for Q2 2026, 5.27 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.34% |
| Tier 1 risk-based capital ratio | 20.34% |
| Total risk-based capital ratio | 21.09% |
| Tier 1 leverage ratio | 12.08% |
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 | $14.4M |
| Tier 1 capital | $14.4M |
| Total risk-based capital | $15.0M |
| Total equity capital | $12.6M |
| Risk-weighted assets | $71.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.66% |
| Tangible equity to tangible assets | 10.66% |
| Equity capital to average assets | 10.56% |
| Internal capital growth rate | 5.60% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $205K |
| Common stock surplus | $8.8M |
| Retained earnings | $5.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.8M |
| 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 | 17.32% | 17.32% | 17.95% | 10.69% | $76.8M |
| Q4 2023 | 17.45% | 17.45% | 18.07% | 10.93% | $76.2M |
| Q1 2024 | 17.62% | 17.62% | 18.24% | 11.04% | $76.1M |
| Q2 2024 | 18.09% | 18.09% | 18.71% | 11.30% | $74.7M |
| Q3 2024 | 19.66% | 19.66% | 20.33% | 11.50% | $69.7M |
| Q4 2024 | 18.65% | 18.65% | 19.36% | 11.45% | $73.4M |
| Q1 2025 | 19.51% | 19.51% | 20.29% | 11.30% | $70.8M |
| Q2 2025 | 20.28% | 20.28% | 21.05% | 11.59% | $68.8M |
| Q3 2025 | 20.82% | 20.82% | 21.55% | 11.73% | $67.8M |
| Q4 2025 | 20.48% | 20.48% | 21.24% | 11.81% | $68.9M |
| Q1 2026 | 20.09% | 20.09% | 20.82% | 11.62% | $71.0M |
| Q2 2026 | 20.34% | 20.34% | 21.09% | 12.08% | $71.0M |
Kalamazoo County State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Kalamazoo County 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 Kalamazoo County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5892) · FFIEC NIC profile (RSSD 644141)