Richland 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 standout move of Q2 2026 was in Accumulated other comprehensive income: 11.0% higher than in Q1 2026, at -$1.2M. Within South Dakota, Richland State Bank is 7th of 36 on CET1 ratio, 23.50% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 19.57% on CET1 ratio. Richland State Bank sits 3.94 points higher, at 23.50% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 23.50% |
| Tier 1 risk-based capital ratio | 23.50% |
| Total risk-based capital ratio | 24.76% |
| Tier 1 leverage ratio | 12.30% |
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 | $5.8M |
| Tier 1 capital | $5.8M |
| Total risk-based capital | $6.1M |
| Total equity capital | $4.7M |
| Risk-weighted assets | $24.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.49% |
| Tangible equity to tangible assets | 9.27% |
| Equity capital to average assets | 9.93% |
| Internal capital growth rate | 10.00% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $25K |
| Common stock surplus | $4.2M |
| Retained earnings | $1.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.2M |
| 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 | 22.12% | 22.12% | 23.38% | 12.76% | $29.9M |
| Q4 2023 | 24.57% | 24.57% | 25.82% | 13.63% | $26.6M |
| Q1 2024 | 24.21% | 24.21% | 25.47% | 12.72% | $25.0M |
| Q2 2024 | 26.76% | 26.76% | 28.02% | 13.45% | $22.8M |
| Q3 2024 | 26.34% | 26.34% | 27.61% | 13.10% | $22.3M |
| Q4 2024 | 23.24% | 23.24% | 24.50% | 13.18% | $24.5M |
| Q1 2025 | 24.69% | 24.69% | 25.95% | 13.56% | $23.9M |
| Q2 2025 | 25.69% | 25.69% | 26.95% | 14.08% | $23.9M |
| Q3 2025 | 22.61% | 22.61% | 23.86% | 13.49% | $25.4M |
| Q4 2025 | 20.94% | 20.94% | 21.74% | 14.88% | $28.1M |
| Q1 2026 | 23.44% | 23.44% | 25.95% | 12.78% | $24.3M |
| Q2 2026 | 23.50% | 23.50% | 24.76% | 12.30% | $24.7M |
Richland State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Richland 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 Richland State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1675) · FFIEC NIC profile (RSSD 83852)