Sainte Marie 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 Equity capital to average assets: 2.29 percentage points lower than in Q1 2026, at 16.00%.
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 | 15.83% |
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 | $3.5M |
| Tier 1 capital | $3.5M |
| Total risk-based capital | — |
| Total equity capital | $3.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.53% |
| Tangible equity to tangible assets | 15.53% |
| Equity capital to average assets | 16.00% |
| Internal capital growth rate | -13.33% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $1.7M |
| Retained earnings | $1.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $3K |
| 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 | 42.55% | 42.55% | 43.80% | 21.54% | $7.4M |
| Q4 2023 | 40.87% | 40.87% | 42.12% | 21.47% | $7.8M |
| Q1 2024 | 40.05% | 40.05% | 41.30% | 20.89% | $8.0M |
| Q2 2024 | 40.05% | 40.05% | 41.31% | 21.74% | $8.1M |
| Q3 2024 | 29.12% | 29.12% | 29.96% | 22.60% | $11.4M |
| Q4 2024 | — | — | — | 22.24% | — |
| Q1 2025 | — | — | — | 22.11% | — |
| Q2 2025 | — | — | — | 20.64% | — |
| Q3 2025 | — | — | — | 19.09% | — |
| Q4 2025 | — | — | — | 19.50% | — |
| Q1 2026 | — | — | — | 18.45% | — |
| Q2 2026 | — | — | — | 15.83% | — |
Sainte Marie State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Sainte Marie 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 Sainte Marie State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12086) · FFIEC NIC profile (RSSD 363442)