Legacy 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 6.6% from Q1 2026 to Q2 2026, ending at -$8.8M against -$9.4M. It was the largest change among the key lines on this page.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.05% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $24.3M |
| Tier 1 capital | $25.1M |
| Total risk-based capital | — |
| Total equity capital | $23.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.29% |
| Tangible equity to tangible assets | 11.29% |
| Equity capital to average assets | 11.14% |
| Internal capital growth rate | 11.03% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $13.5M |
| Common stock surplus | $19.9M |
| Retained earnings | -$8.8M |
| Preferred stock and surplus | $840K |
| Accumulated other comprehensive income | -$2.2M |
| 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 | 15.11% | 15.82% | 16.98% | 12.02% | $117.7M |
| Q4 2023 | 14.79% | 15.47% | 16.61% | 12.09% | $122.7M |
| Q1 2024 | 14.47% | 15.12% | 16.31% | 11.71% | $128.6M |
| Q2 2024 | 13.99% | 14.60% | 15.72% | 11.68% | $137.3M |
| Q3 2024 | 14.59% | 15.21% | 16.37% | 11.95% | $136.2M |
| Q4 2024 | 14.60% | 15.20% | 16.34% | 12.22% | $140.0M |
| Q1 2025 | 14.22% | 14.80% | 15.92% | 12.09% | $146.0M |
| Q2 2025 | 14.48% | 15.05% | 16.22% | 12.30% | $148.1M |
| Q3 2025 | 14.45% | 15.00% | 16.18% | 12.39% | $152.7M |
| Q4 2025 | 14.46% | 14.99% | 16.14% | 12.31% | $157.9M |
| Q1 2026 | 13.71% | 14.20% | 15.28% | 12.11% | $171.1M |
| Q2 2026 | — | — | — | 12.05% | — |
Legacy State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Legacy 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 Legacy State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57882) · FFIEC NIC profile (RSSD 3340903)