Lasalle 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: 10.1% lower than in Q1 2026, at -$6.2M. Lasalle State Bank ranks 77th of 198 Illinois banks on CET1 ratio, in the upper half at 16.64% (Q2 2026). Lasalle State Bank reported 16.64% on CET1 ratio for Q2 2026, 1.57 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 | 16.64% |
| Tier 1 risk-based capital ratio | 16.64% |
| Total risk-based capital ratio | 17.76% |
| Tier 1 leverage ratio | 8.91% |
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 | $17.0M |
| Tier 1 capital | $17.0M |
| Total risk-based capital | $18.1M |
| Total equity capital | $10.8M |
| Risk-weighted assets | $102.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 5.90% |
| Tangible equity to tangible assets | 5.90% |
| Equity capital to average assets | 5.67% |
| Internal capital growth rate | 1.70% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $2.6M |
| Retained earnings | $13.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.2M |
| 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 | 16.98% | 16.98% | 18.19% | 10.10% | $98.6M |
| Q4 2023 | 17.75% | 17.75% | 19.00% | 9.87% | $92.5M |
| Q1 2024 | 17.51% | 17.51% | 18.76% | 9.89% | $93.9M |
| Q2 2024 | 17.42% | 17.42% | 18.68% | 9.81% | $93.5M |
| Q3 2024 | 16.89% | 16.89% | 18.14% | 8.92% | $96.5M |
| Q4 2024 | 15.91% | 15.91% | 16.91% | 8.61% | $100.8M |
| Q1 2025 | 15.74% | 15.74% | 16.74% | 8.58% | $102.7M |
| Q2 2025 | 15.97% | 15.97% | 17.02% | 8.77% | $102.8M |
| Q3 2025 | 16.32% | 16.32% | 17.41% | 8.69% | $101.3M |
| Q4 2025 | 16.26% | 16.26% | 17.33% | 8.83% | $103.7M |
| Q1 2026 | 16.73% | 16.73% | 17.84% | 9.00% | $101.3M |
| Q2 2026 | 16.64% | 16.64% | 17.76% | 8.91% | $102.1M |
Lasalle State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Lasalle 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 Lasalle State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12410) · FFIEC NIC profile (RSSD 956134)