Pocahontas 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%.
Equity capital to total assets climbed 1.22 percentage points in Q2 2026, from 26.59% to 27.81%. 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 | 26.35% |
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 | $32.0M |
| Tier 1 capital | $32.0M |
| Total risk-based capital | — |
| Total equity capital | $34.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 27.81% |
| Tangible equity to tangible assets | 26.32% |
| Equity capital to average assets | 27.54% |
| Internal capital growth rate | -3.26% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $6.2M |
| Retained earnings | $28.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$390K |
| 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 | 24.91% | 24.94% | 23.30% |
| Q4 2023 | 25.66% | 27.15% | 25.49% |
| Q1 2024 | 25.79% | 26.16% | 24.56% |
| Q2 2024 | 25.83% | 27.52% | 25.88% |
| Q3 2024 | 26.62% | 25.55% | 24.01% |
| Q4 2024 | 24.97% | 26.08% | 24.51% |
| Q1 2025 | 25.78% | 25.73% | 24.19% |
| Q2 2025 | 26.87% | 27.61% | 26.01% |
| Q3 2025 | 27.03% | 26.44% | 24.94% |
| Q4 2025 | 26.63% | 27.53% | 26.04% |
| Q1 2026 | 26.72% | 26.59% | 25.13% |
| Q2 2026 | 26.35% | 27.81% | 26.32% |
Pocahontas State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Pocahontas 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 Pocahontas State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 234) · FFIEC NIC profile (RSSD 402846)