Plains 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%.
Common stock surplus dropped 42.3% in Q2 2026, from $44.2M to $25.5M. It was the largest change from Q1 2026 among the key lines here.
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 | 16.47% |
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 | $139.5M |
| Tier 1 capital | $139.5M |
| Total risk-based capital | — |
| Total equity capital | $136.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.53% |
| Tangible equity to tangible assets | 16.36% |
| Equity capital to average assets | 16.13% |
| Internal capital growth rate | 10.04% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $25.5M |
| Retained earnings | $115.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.2M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 14.80% | 14.58% | 13.75% |
| Q4 2023 | 15.04% | 15.02% | 14.22% |
| Q1 2024 | 14.57% | 14.80% | 14.01% |
| Q2 2024 | 14.97% | 14.93% | 14.17% |
| Q3 2024 | 15.44% | 15.08% | 14.35% |
| Q4 2024 | 15.59% | 15.57% | 14.85% |
| Q1 2025 | 14.78% | 14.67% | 13.99% |
| Q2 2025 | 15.63% | 16.54% | 15.82% |
| Q3 2025 | 16.54% | 17.36% | 16.65% |
| Q4 2025 | 17.80% | 17.49% | 17.34% |
| Q1 2026 | 17.30% | 18.09% | 17.94% |
| Q2 2026 | 16.47% | 16.53% | 16.36% |
Plains State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Plains 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 Plains State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17739) · FFIEC NIC profile (RSSD 972862)