Lea 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%.
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.
Total equity capital climbed 8.0% in Q2 2026, from $53.6M to $57.8M. It was the largest change from Q1 2026 among the key lines here. Within New Mexico, Lea County State Bank is 9th of 20 on CET1 ratio, 20.29% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Lea County State Bank sits 5.20 points higher, at 20.29% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.29% |
| Tier 1 risk-based capital ratio | 20.29% |
| Total risk-based capital ratio | 21.32% |
| Tier 1 leverage ratio | 9.21% |
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 | $69.6M |
| Tier 1 capital | $69.6M |
| Total risk-based capital | $73.1M |
| Total equity capital | $57.8M |
| Risk-weighted assets | $343.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.83% |
| Tangible equity to tangible assets | 7.83% |
| Equity capital to average assets | 7.65% |
| Internal capital growth rate | 4.39% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.4M |
| Common stock surplus | $12.1M |
| Retained earnings | $55.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.8M |
| 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 | 18.97% | 18.97% | 19.64% | 8.74% | $306.5M |
| Q4 2023 | 18.30% | 18.30% | 18.90% | 8.73% | $323.4M |
| Q1 2024 | 19.16% | 19.16% | 19.70% | 8.48% | $321.3M |
| Q2 2024 | 19.85% | 19.85% | 20.38% | 8.75% | $326.3M |
| Q3 2024 | 20.40% | 20.40% | 21.00% | 8.34% | $317.0M |
| Q4 2024 | 20.09% | 20.09% | 20.67% | 8.41% | $313.3M |
| Q1 2025 | 20.40% | 20.40% | 20.97% | 8.89% | $312.3M |
| Q2 2025 | 19.99% | 19.99% | 20.80% | 8.60% | $319.2M |
| Q3 2025 | 20.03% | 20.03% | 20.94% | 8.44% | $322.2M |
| Q4 2025 | 20.77% | 20.77% | 21.69% | 9.16% | $327.0M |
| Q1 2026 | 21.06% | 21.06% | 21.99% | 9.36% | $327.8M |
| Q2 2026 | 20.29% | 20.29% | 21.32% | 9.21% | $343.2M |
Lea County State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Lea 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 Lea County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12259) · FFIEC NIC profile (RSSD 1015252)