Lafayette 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.
Compared with Q1 2026, Risk-weighted assets rose 5.2% in Q2 2026 to $178.4M, the biggest move on this page. Within Florida, Lafayette State Bank is 34th of 56 on CET1 ratio, 13.84% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Lafayette State Bank sits 1.25 points lower, at 13.84% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.84% |
| Tier 1 risk-based capital ratio | 13.84% |
| Total risk-based capital ratio | 15.09% |
| Tier 1 leverage ratio | 9.86% |
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 | $24.7M |
| Tier 1 capital | $24.7M |
| Total risk-based capital | $26.9M |
| Total equity capital | $20.5M |
| Risk-weighted assets | $178.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.14% |
| Tangible equity to tangible assets | 8.14% |
| Equity capital to average assets | 8.20% |
| Internal capital growth rate | 12.15% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.6M |
| Common stock surplus | $8.1M |
| Retained earnings | $13.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.3M |
| 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 | 9.68% | 9.68% | 10.64% | 7.48% | $158.6M |
| Q4 2023 | 9.92% | 9.92% | 11.05% | 7.38% | $159.9M |
| Q1 2024 | 10.46% | 10.46% | 11.71% | 7.58% | $155.7M |
| Q2 2024 | 12.05% | 12.05% | 13.30% | 8.51% | $155.0M |
| Q3 2024 | 12.50% | 12.50% | 13.75% | 8.76% | $154.4M |
| Q4 2024 | 13.06% | 13.06% | 14.32% | 8.78% | $153.2M |
| Q1 2025 | 12.90% | 12.90% | 14.16% | 8.51% | $159.2M |
| Q2 2025 | 13.34% | 13.34% | 14.59% | 8.64% | $158.7M |
| Q3 2025 | 12.80% | 12.80% | 14.05% | 8.82% | $171.5M |
| Q4 2025 | — | — | — | 9.22% | — |
| Q1 2026 | 14.20% | 14.20% | 15.46% | 9.58% | $169.5M |
| Q2 2026 | 13.84% | 13.84% | 15.09% | 9.86% | $178.4M |
Lafayette State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Lafayette 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 Lafayette State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16396) · FFIEC NIC profile (RSSD 535931)