Robert Lee 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.
Equity capital to total assets climbed 1.00 percentage points in Q2 2026, from 12.17% to 13.18%. 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 | 14.09% |
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 | $6.4M |
| Tier 1 capital | $6.4M |
| Total risk-based capital | — |
| Total equity capital | $5.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.18% |
| Tangible equity to tangible assets | 13.18% |
| Equity capital to average assets | 12.34% |
| Internal capital growth rate | 4.79% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $2.4M |
| Retained earnings | $4.2M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 12.79% | 9.42% | 9.42% |
| Q4 2023 | 13.45% | 11.19% | 11.19% |
| Q1 2024 | 12.17% | 9.74% | 9.74% |
| Q2 2024 | 12.66% | 10.58% | 10.58% |
| Q3 2024 | 14.10% | 12.52% | 12.52% |
| Q4 2024 | 14.14% | 12.03% | 12.03% |
| Q1 2025 | 12.96% | 10.54% | 10.54% |
| Q2 2025 | 13.12% | 11.71% | 11.71% |
| Q3 2025 | 14.20% | 12.41% | 12.41% |
| Q4 2025 | 14.03% | 12.87% | 12.87% |
| Q1 2026 | 12.83% | 12.17% | 12.17% |
| Q2 2026 | 14.09% | 13.18% | 13.18% |
Robert Lee State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Robert Lee 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 Robert Lee State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15442) · FFIEC NIC profile (RSSD 803265)