Scott 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 largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.38 percentage points to 11.72%.
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 | 13.67% |
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 | $28.2M |
| Tier 1 capital | $28.2M |
| Total risk-based capital | — |
| Total equity capital | $23.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.72% |
| Tangible equity to tangible assets | 11.72% |
| Equity capital to average assets | 11.56% |
| Internal capital growth rate | 0.82% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $568K |
| Common stock surplus | $4.9M |
| Retained earnings | $22.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.4M |
| 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 | 13.23% | 7.89% | 7.89% |
| Q4 2023 | 12.48% | 8.34% | 8.34% |
| Q1 2024 | 12.71% | 8.58% | 8.58% |
| Q2 2024 | 12.91% | 8.86% | 8.86% |
| Q3 2024 | 12.84% | 9.77% | 9.77% |
| Q4 2024 | 12.57% | 8.93% | 8.93% |
| Q1 2025 | 12.84% | 9.76% | 9.76% |
| Q2 2025 | 13.11% | 10.45% | 10.45% |
| Q3 2025 | 13.08% | 10.93% | 10.93% |
| Q4 2025 | 13.45% | 11.55% | 11.55% |
| Q1 2026 | 13.63% | 11.34% | 11.34% |
| Q2 2026 | 13.67% | 11.72% | 11.72% |
Scott State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Scott 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 Scott State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8491) · FFIEC NIC profile (RSSD 443634)