Patterson 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 largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which rose 3.7% to -$3.2M. Patterson State Bank ranks 24th of 46 Louisiana banks on CET1 ratio, in the lower half at 17.03% (Q2 2026). Patterson State Bank reported 17.03% on CET1 ratio for Q2 2026, 1.96 points above 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 | 17.03% |
| Tier 1 risk-based capital ratio | 17.03% |
| Total risk-based capital ratio | 18.28% |
| Tier 1 leverage ratio | 8.92% |
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 | $29.6M |
| Tier 1 capital | $29.6M |
| Total risk-based capital | $31.7M |
| Total equity capital | $26.4M |
| Risk-weighted assets | $173.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.97% |
| Tangible equity to tangible assets | 7.97% |
| Equity capital to average assets | 7.95% |
| Internal capital growth rate | 2.07% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $225K |
| Common stock surplus | $5.8M |
| Retained earnings | $23.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.2M |
| 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 | 16.15% | 16.15% | 17.40% | 9.16% | $175.2M |
| Q4 2023 | 15.42% | 15.42% | 16.67% | 9.14% | $183.5M |
| Q1 2024 | 16.23% | 16.23% | 17.48% | 8.81% | $176.0M |
| Q2 2024 | 16.64% | 16.64% | 17.89% | 9.00% | $172.1M |
| Q3 2024 | 16.45% | 16.45% | 17.70% | 9.45% | $175.3M |
| Q4 2024 | 15.74% | 15.74% | 16.99% | 9.16% | $180.6M |
| Q1 2025 | 16.23% | 16.23% | 17.49% | 9.05% | $175.9M |
| Q2 2025 | 16.51% | 16.51% | 17.77% | 9.28% | $173.1M |
| Q3 2025 | 16.65% | 16.65% | 17.90% | 9.36% | $172.4M |
| Q4 2025 | 16.25% | 16.25% | 17.51% | 9.06% | $177.9M |
| Q1 2026 | 17.14% | 17.14% | 18.40% | 8.80% | $171.6M |
| Q2 2026 | 17.03% | 17.03% | 18.28% | 8.92% | $173.6M |
Patterson State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Patterson 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 Patterson State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12609) · FFIEC NIC profile (RSSD 85931)