The Sherwood 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%.
Retained earnings rose 3.0% from Q1 2026 to Q2 2026, ending at $7.7M against $7.5M. It was the largest change among the key lines 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 | 12.32% |
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 | $13.2M |
| Tier 1 capital | $13.2M |
| Total risk-based capital | — |
| Total equity capital | $12.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.79% |
| Tangible equity to tangible assets | 11.79% |
| Equity capital to average assets | 11.80% |
| Internal capital growth rate | 7.29% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $5.0M |
| Retained earnings | $7.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$585K |
| 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 | 12.98% | 11.15% | 11.15% |
| Q4 2023 | 13.10% | 11.67% | 11.67% |
| Q1 2024 | 12.63% | 11.51% | 11.51% |
| Q2 2024 | 12.57% | 11.37% | 11.37% |
| Q3 2024 | 12.51% | 11.56% | 11.56% |
| Q4 2024 | 11.97% | 10.71% | 10.71% |
| Q1 2025 | 12.03% | 11.29% | 11.29% |
| Q2 2025 | 12.34% | 11.52% | 11.52% |
| Q3 2025 | 12.28% | 11.73% | 11.73% |
| Q4 2025 | 12.27% | 11.81% | 11.81% |
| Q1 2026 | 12.27% | 11.80% | 11.80% |
| Q2 2026 | 12.32% | 11.79% | 11.79% |
The Sherwood State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Sherwood 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 The Sherwood State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16222) · FFIEC NIC profile (RSSD 546320)