Sicily Island 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 climbed 10.8% in Q2 2026, from $3.9M to $4.3M. It was the largest change from Q1 2026 among the key lines here.
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 | 13.19% |
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 | $12.3M |
| Tier 1 capital | $12.3M |
| Total risk-based capital | — |
| Total equity capital | $12.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.09% |
| Tangible equity to tangible assets | 13.09% |
| Equity capital to average assets | 12.99% |
| Internal capital growth rate | 14.36% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $172K |
| Common stock surplus | $7.8M |
| Retained earnings | $4.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$178K |
| 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 | 17.40% | 17.40% | 18.61% | 13.61% | $61.7M |
| Q4 2023 | 16.41% | 16.41% | 17.60% | 12.63% | $61.9M |
| Q1 2024 | 16.00% | 16.00% | 17.14% | 12.64% | $64.6M |
| Q2 2024 | 18.24% | 18.24% | 19.48% | 12.73% | $58.8M |
| Q3 2024 | 18.64% | 18.64% | 19.85% | 13.07% | $60.3M |
| Q4 2024 | 18.17% | 18.17% | 19.41% | 12.60% | $58.9M |
| Q1 2025 | 17.89% | 17.89% | 19.07% | 13.24% | $62.6M |
| Q2 2025 | — | — | — | 13.35% | — |
| Q3 2025 | — | — | — | 13.83% | — |
| Q4 2025 | — | — | — | 12.34% | — |
| Q1 2026 | — | — | — | 12.56% | — |
| Q2 2026 | — | — | — | 13.19% | — |
Sicily Island State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Sicily Island 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 Sicily Island State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12722) · FFIEC NIC profile (RSSD 1002458)