The Port Austin 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 Q2 2026 and Q3 2026 was in Retained earnings, which rose 4.1% to $6.8M.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 18.30% |
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 | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $12.8M |
| Tier 1 capital | $12.8M |
| Total risk-based capital | — |
| Total equity capital | $12.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 18.09% |
| Tangible equity to tangible assets | 18.09% |
| Equity capital to average assets | 18.04% |
| Internal capital growth rate | 8.54% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $330K |
| Common stock surplus | $5.7M |
| Retained earnings | $6.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$186K |
| 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 |
|---|---|---|---|
| Q4 2023 | 16.18% | 16.20% | 16.20% |
| Q1 2024 | 16.82% | 16.70% | 16.70% |
| Q2 2024 | 16.98% | 16.37% | 16.37% |
| Q3 2024 | 16.49% | 16.49% | 16.49% |
| Q4 2024 | 16.57% | 16.44% | 16.44% |
| Q1 2025 | 16.91% | 16.96% | 16.96% |
| Q2 2025 | 17.61% | 17.79% | 17.79% |
| Q3 2025 | 17.75% | 17.98% | 17.98% |
| Q4 2025 | 17.97% | 18.55% | 18.55% |
| Q1 2026 | 18.24% | 18.05% | 18.05% |
| Q2 2026 | 18.44% | 18.45% | 18.45% |
| Q3 2026 | 18.30% | 18.09% | 18.09% |
The Port Austin State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Port Austin 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 The Port Austin State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14999) · FFIEC NIC profile (RSSD 779641)