Nebraska State Bank and Trust Company: 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: 12.5% higher than in Q1 2026, at -$2.2M. Within Nebraska, Nebraska State Bank and Trust Company is 23rd of 57 on CET1 ratio, 15.49% as of Q2 2026, above the middle of the field. At 15.49%, Nebraska State Bank and Trust Company's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.49% |
| Tier 1 risk-based capital ratio | 15.49% |
| Total risk-based capital ratio | 16.60% |
| Tier 1 leverage ratio | 12.96% |
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 | $37.2M |
| Tier 1 capital | $37.2M |
| Total risk-based capital | $39.9M |
| Total equity capital | $34.9M |
| Risk-weighted assets | $240.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.22% |
| Tangible equity to tangible assets | 12.22% |
| Equity capital to average assets | 12.17% |
| Internal capital growth rate | 10.33% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $27.4M |
| Retained earnings | $9.2M |
| Preferred stock and surplus | $0 |
| 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 | 14.16% | 14.16% | 15.01% | 12.05% | $227.3M |
| Q4 2023 | 13.41% | 13.41% | 14.26% | 11.55% | $234.4M |
| Q1 2024 | 13.86% | 13.86% | 14.75% | 11.69% | $229.2M |
| Q2 2024 | 13.53% | 13.53% | 14.40% | 11.85% | $240.4M |
| Q3 2024 | — | — | — | 11.86% | — |
| Q4 2024 | — | — | — | 11.73% | — |
| Q1 2025 | — | — | — | 11.92% | — |
| Q2 2025 | — | — | — | 12.32% | — |
| Q3 2025 | — | — | — | 12.35% | — |
| Q4 2025 | 15.03% | 15.03% | 16.12% | 12.69% | $237.6M |
| Q1 2026 | 15.39% | 15.39% | 16.51% | 12.78% | $236.0M |
| Q2 2026 | 15.49% | 15.49% | 16.60% | 12.96% | $240.0M |
Nebraska State Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Nebraska State Bank and Trust Company, 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 Nebraska State Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8322) · FFIEC NIC profile (RSSD 412153)