RNB 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%.
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 biggest quarter-over-quarter change on this page was a small one: Total equity capital edged up 1.5% between Q1 2026 and Q2 2026, to $18.5M. RNB State Bank ranks 10th of 15 Wyoming banks on CET1 ratio, in the lower half at 14.63% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio; RNB State Bank reported 14.63% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.63% |
| Tier 1 risk-based capital ratio | 14.63% |
| Total risk-based capital ratio | 15.88% |
| Tier 1 leverage ratio | 8.63% |
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 | $25.6M |
| Tier 1 capital | $25.6M |
| Total risk-based capital | $27.8M |
| Total equity capital | $18.5M |
| Risk-weighted assets | $175.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.26% |
| Tangible equity to tangible assets | 6.26% |
| Equity capital to average assets | 6.24% |
| Internal capital growth rate | 0.20% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $800K |
| Common stock surplus | $5.7M |
| Retained earnings | $19.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.1M |
| 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 | 13.41% | 13.41% | 14.66% | 8.93% | $172.9M |
| Q4 2023 | 13.94% | 13.94% | 15.19% | 8.96% | $168.2M |
| Q1 2024 | 14.20% | 14.20% | 15.46% | 8.99% | $165.7M |
| Q2 2024 | 14.44% | 14.44% | 15.69% | 8.97% | $164.5M |
| Q3 2024 | 14.44% | 14.44% | 15.69% | 8.97% | $165.1M |
| Q4 2024 | 14.36% | 14.36% | 15.61% | 8.64% | $164.2M |
| Q1 2025 | 14.56% | 14.56% | 15.81% | 8.67% | $164.4M |
| Q2 2025 | 14.64% | 14.64% | 15.89% | 8.67% | $166.8M |
| Q3 2025 | 14.67% | 14.67% | 15.92% | 8.78% | $170.6M |
| Q4 2025 | 14.53% | 14.53% | 15.78% | 8.56% | $173.3M |
| Q1 2026 | 14.77% | 14.77% | 16.02% | 8.69% | $173.6M |
| Q2 2026 | 14.63% | 14.63% | 15.88% | 8.63% | $175.2M |
RNB State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock RNB 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 RNB State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2228) · FFIEC NIC profile (RSSD 548052)