Produce 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%.
Retained earnings dropped 24.1% in Q2 2026, from $3.9M to $3.0M. 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 | 10.33% |
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 | $11.3M |
| Tier 1 capital | $11.3M |
| Total risk-based capital | — |
| Total equity capital | $11.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.11% |
| Tangible equity to tangible assets | 10.53% |
| Equity capital to average assets | 10.85% |
| Internal capital growth rate | 2.02% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $8.9M |
| Retained earnings | $3.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$45K |
| 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 | 20.37% | 20.37% | 21.44% | 9.24% | $52.0M |
| Q4 2023 | 21.28% | 21.28% | 22.38% | 9.41% | $50.5M |
| Q1 2024 | 22.66% | 22.66% | 23.89% | 9.55% | $47.9M |
| Q2 2024 | 21.66% | 21.66% | 22.83% | 9.88% | $50.2M |
| Q3 2024 | 21.45% | 21.45% | 22.60% | 10.00% | $51.0M |
| Q4 2024 | 20.13% | 20.13% | 21.22% | 10.04% | $54.3M |
| Q1 2025 | 21.66% | 21.66% | 22.85% | 9.92% | $50.4M |
| Q2 2025 | 21.47% | 21.47% | 22.65% | 10.11% | $50.8M |
| Q3 2025 | 20.86% | 20.86% | 22.00% | 10.12% | $52.4M |
| Q4 2025 | 20.02% | 20.02% | 21.09% | 10.09% | $55.5M |
| Q1 2026 | — | — | — | 10.12% | — |
| Q2 2026 | — | — | — | 10.33% | — |
Produce State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Produce 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 Produce State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10178) · FFIEC NIC profile (RSSD 24659)