Putnam County 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 rose 0.40 percentage points from Q1 2026 to Q2 2026, ending at 13.43% against 13.03%. It was the largest change among the key lines on this page.
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 | 13.52% |
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 | $42.7M |
| Tier 1 capital | $42.7M |
| Total risk-based capital | — |
| Total equity capital | $42.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.43% |
| Tangible equity to tangible assets | 13.43% |
| Equity capital to average assets | 13.52% |
| Internal capital growth rate | 14.58% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $370K |
| Common stock surplus | $500K |
| Retained earnings | $41.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 15.74% | 15.69% | 15.69% |
| Q4 2023 | 14.65% | 14.23% | 14.23% |
| Q1 2024 | 14.61% | 14.60% | 14.60% |
| Q2 2024 | 15.15% | 15.13% | 15.13% |
| Q3 2024 | 15.55% | 15.48% | 15.48% |
| Q4 2024 | 13.98% | 13.74% | 13.74% |
| Q1 2025 | 14.11% | 14.01% | 14.01% |
| Q2 2025 | 14.35% | 14.28% | 14.28% |
| Q3 2025 | 14.59% | 14.33% | 14.33% |
| Q4 2025 | 13.34% | 12.71% | 12.71% |
| Q1 2026 | 13.14% | 13.03% | 13.03% |
| Q2 2026 | 13.52% | 13.43% | 13.43% |
Putnam County State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Putnam County 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 Putnam County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22895) · FFIEC NIC profile (RSSD 382658)