National Bank of St. Anne: 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 Retained earnings: 8.2% higher than in Q1 2026, at $5.9M. National Bank of St. Anne ranks 167th of 198 Illinois banks on CET1 ratio, in the lower half at 11.25% (Q2 2026). National Bank of St. Anne reported 11.25% on CET1 ratio for Q2 2026, 3.82 points below 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 | 11.25% |
| Tier 1 risk-based capital ratio | 11.25% |
| Total risk-based capital ratio | 12.39% |
| Tier 1 leverage ratio | 9.44% |
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 | $13.2M |
| Tier 1 capital | $13.2M |
| Total risk-based capital | $14.5M |
| Total equity capital | $15.0M |
| Risk-weighted assets | $117.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.44% |
| Tangible equity to tangible assets | 9.26% |
| Equity capital to average assets | 10.58% |
| Internal capital growth rate | 12.23% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $60K |
| Common stock surplus | $9.1M |
| Retained earnings | $5.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$83K |
| 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 | 11.34% | 11.34% | 12.38% | 9.09% | $99.2M |
| Q4 2023 | 10.72% | 10.72% | 11.73% | 8.62% | $104.0M |
| Q1 2024 | 10.74% | 10.74% | 11.77% | 8.63% | $103.4M |
| Q2 2024 | 10.55% | 10.55% | 11.56% | 8.90% | $108.1M |
| Q3 2024 | 10.53% | 10.53% | 11.54% | 8.74% | $109.3M |
| Q4 2024 | 10.28% | 10.28% | 11.26% | 8.65% | $110.4M |
| Q1 2025 | 10.53% | 10.53% | 11.51% | 8.70% | $109.6M |
| Q2 2025 | 11.20% | 11.20% | 12.26% | 9.07% | $106.2M |
| Q3 2025 | 10.93% | 10.93% | 11.99% | 9.12% | $112.4M |
| Q4 2025 | 11.36% | 11.36% | 12.46% | 9.52% | $112.9M |
| Q1 2026 | 11.25% | 11.25% | 12.40% | 9.13% | $113.1M |
| Q2 2026 | 11.25% | 11.25% | 12.39% | 9.44% | $117.0M |
National Bank of St. Anne regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock National Bank of St. Anne, 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 National Bank of St. Anne profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16752) · FFIEC NIC profile (RSSD 760340)