Saint Clair State Bank (Incorporated): 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%.
Compared with Q1 2026, Retained earnings rose 5.4% in Q2 2026 to $7.5M, the biggest move 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 | 11.08% |
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 | $15.0M |
| Tier 1 capital | $15.0M |
| Total risk-based capital | — |
| Total equity capital | $15.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.13% |
| Tangible equity to tangible assets | 11.13% |
| Equity capital to average assets | 11.08% |
| Internal capital growth rate | 10.54% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $7.5M |
| Retained earnings | $7.5M |
| 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 | 11.48% | 11.37% | 11.37% |
| Q4 2023 | 11.06% | 10.82% | 10.82% |
| Q1 2024 | 11.09% | 11.02% | 11.02% |
| Q2 2024 | 11.27% | 11.29% | 11.29% |
| Q3 2024 | 11.50% | 11.43% | 11.43% |
| Q4 2024 | 10.93% | 10.58% | 10.58% |
| Q1 2025 | 10.81% | 10.62% | 10.62% |
| Q2 2025 | 10.94% | 10.84% | 10.84% |
| Q3 2025 | 11.00% | 10.78% | 10.78% |
| Q4 2025 | 10.72% | 10.87% | 10.87% |
| Q1 2026 | 11.02% | 10.95% | 10.95% |
| Q2 2026 | 11.08% | 11.13% | 11.13% |
Saint Clair State Bank (Incorporated) regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Saint Clair State Bank (Incorporated), 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 Saint Clair State Bank (Incorporated) profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1903) · FFIEC NIC profile (RSSD 854753)