PSB 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Retained earnings: 15.3% lower than in Q1 2026, at $40.4M. On CET1 ratio, PSB Bank is 1st from the bottom among 97 Missouri banks, 9.37% (Q2 2026). PSB Bank reported 9.37% on CET1 ratio for Q2 2026, 5.71 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 9.37% |
| Tier 1 risk-based capital ratio | 9.37% |
| Total risk-based capital ratio | 10.39% |
| Tier 1 leverage ratio | 8.12% |
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 | $66.5M |
| Tier 1 capital | $66.5M |
| Total risk-based capital | $73.8M |
| Total equity capital | $71.4M |
| Risk-weighted assets | $710.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.36% |
| Tangible equity to tangible assets | 7.65% |
| Equity capital to average assets | 8.65% |
| Internal capital growth rate | -37.20% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $32.7M |
| Retained earnings | $40.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.7M |
| 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 | 10.79% | 10.79% | 11.85% | 8.99% | $498.4M |
| Q4 2023 | 10.76% | 10.76% | 11.80% | 8.99% | $513.1M |
| Q1 2024 | 10.47% | 10.47% | 11.48% | 8.96% | $542.0M |
| Q2 2024 | 10.61% | 10.61% | 11.66% | 8.91% | $549.4M |
| Q3 2024 | 10.60% | 10.60% | 11.65% | 9.08% | $563.6M |
| Q4 2024 | 11.15% | 11.15% | 12.21% | 9.32% | $553.5M |
| Q1 2025 | 11.28% | 11.28% | 12.36% | 9.62% | $564.4M |
| Q2 2025 | 11.23% | 11.23% | 12.29% | 9.70% | $585.6M |
| Q3 2025 | 11.42% | 11.42% | 12.50% | 9.71% | $595.1M |
| Q4 2025 | 10.70% | 10.70% | 11.74% | 8.90% | $668.8M |
| Q1 2026 | 10.76% | 10.76% | 11.78% | 9.03% | $686.1M |
| Q2 2026 | 9.37% | 9.37% | 10.39% | 8.12% | $710.2M |
PSB Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock PSB 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 PSB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15264) · FFIEC NIC profile (RSSD 242257)