North 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 biggest quarter-over-quarter change on this page was a small one: Retained earnings edged up 1.6% between Q1 2026 and Q2 2026, to $82.4M. North State Bank has the 2nd lowest CET1 ratio of the 26 banks headquartered in North Carolina, at 11.34% as of Q2 2026. North State Bank reported 11.34% on CET1 ratio for Q2 2026, 2.15 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.34% |
| Tier 1 risk-based capital ratio | 11.34% |
| Total risk-based capital ratio | 12.07% |
| Tier 1 leverage ratio | 8.50% |
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 | $122.6M |
| Tier 1 capital | $122.6M |
| Total risk-based capital | $130.5M |
| Total equity capital | $122.9M |
| Risk-weighted assets | $1.08B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.41% |
| Tangible equity to tangible assets | 8.36% |
| Equity capital to average assets | 8.52% |
| Internal capital growth rate | 4.22% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $8.4M |
| Common stock surplus | $32.6M |
| Retained earnings | $82.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$470K |
| 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 | 10.50% | 10.50% | 11.19% | 7.98% | $1.03B |
| Q4 2023 | 10.38% | 10.38% | 11.08% | 7.87% | $1.05B |
| Q1 2024 | 10.34% | 10.34% | 11.05% | 7.71% | $1.06B |
| Q2 2024 | 10.34% | 10.34% | 11.07% | 7.85% | $1.08B |
| Q3 2024 | 10.63% | 10.63% | 11.41% | 7.90% | $1.07B |
| Q4 2024 | 10.76% | 10.76% | 11.50% | 8.05% | $1.07B |
| Q1 2025 | 10.83% | 10.83% | 11.57% | 8.14% | $1.08B |
| Q2 2025 | 10.87% | 10.87% | 11.65% | 8.37% | $1.08B |
| Q3 2025 | 11.23% | 11.23% | 11.98% | 8.72% | $1.07B |
| Q4 2025 | 11.28% | 11.28% | 11.99% | 8.77% | $1.08B |
| Q1 2026 | 11.15% | 11.15% | 11.87% | 8.51% | $1.09B |
| Q2 2026 | 11.34% | 11.34% | 12.07% | 8.50% | $1.08B |
North State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock North 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 North State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35519) · FFIEC NIC profile (RSSD 2915461)