Saint Louis 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%.
Compared with Q1 2026, Retained earnings rose 6.3% in Q2 2026 to $22.7M, the biggest move on this page. Saint Louis Bank has the 7th lowest CET1 ratio of the 98 banks headquartered in Missouri, at 10.02% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Saint Louis Bank sits 3.46 points lower, at 10.02% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.02% |
| Tier 1 risk-based capital ratio | 10.02% |
| Total risk-based capital ratio | 11.25% |
| Tier 1 leverage ratio | 8.81% |
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 | $99.3M |
| Tier 1 capital | $99.3M |
| Total risk-based capital | $111.6M |
| Total equity capital | $95.9M |
| Risk-weighted assets | $991.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.64% |
| Tangible equity to tangible assets | 8.64% |
| Equity capital to average assets | 8.49% |
| Internal capital growth rate | 5.72% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $15.2M |
| Common stock surplus | $63.1M |
| Retained earnings | $22.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.0M |
| 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 | 10.06% | 10.06% | 11.24% | 8.88% | $825.9M |
| Q4 2023 | 9.55% | 9.55% | 10.80% | 8.63% | $849.0M |
| Q1 2024 | 9.99% | 9.99% | 11.24% | 8.40% | $831.3M |
| Q2 2024 | 10.14% | 10.14% | 11.39% | 8.74% | $834.9M |
| Q3 2024 | 10.15% | 10.15% | 11.40% | 9.29% | $855.4M |
| Q4 2024 | 9.98% | 9.98% | 11.23% | 9.48% | $890.4M |
| Q1 2025 | 9.86% | 9.86% | 11.11% | 8.46% | $921.6M |
| Q2 2025 | 10.19% | 10.19% | 11.45% | 8.63% | $895.6M |
| Q3 2025 | 10.25% | 10.25% | 11.51% | 9.06% | $912.2M |
| Q4 2025 | 10.28% | 10.28% | 11.44% | 9.49% | $930.3M |
| Q1 2026 | 9.97% | 9.97% | 11.14% | 8.60% | $982.2M |
| Q2 2026 | 10.02% | 10.02% | 11.25% | 8.81% | $991.5M |
Saint Louis Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Saint Louis 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 Saint Louis Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58018) · FFIEC NIC profile (RSSD 3354599)