Sidney 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 largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 5.8% to $6.7M.
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 | 9.65% |
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 | $13.7M |
| Tier 1 capital | $13.7M |
| Total risk-based capital | — |
| Total equity capital | $13.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.75% |
| Tangible equity to tangible assets | 9.75% |
| Equity capital to average assets | 9.52% |
| Internal capital growth rate | 11.06% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $5.8M |
| Retained earnings | $6.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$171K |
| 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 | 14.30% | 14.30% | 15.57% | 8.39% | $71.3M |
| Q4 2023 | 14.05% | 14.05% | 15.31% | 8.31% | $72.7M |
| Q1 2024 | 14.07% | 14.07% | 15.38% | 8.15% | $74.6M |
| Q2 2024 | 14.17% | 14.17% | 15.46% | 8.30% | $75.6M |
| Q3 2024 | 14.90% | 14.90% | 16.21% | 8.65% | $74.9M |
| Q4 2024 | 15.48% | 15.48% | 16.80% | 8.87% | $74.4M |
| Q1 2025 | 15.63% | 15.63% | 16.88% | 8.69% | $75.8M |
| Q2 2025 | 15.96% | 15.96% | 17.22% | 8.83% | $77.7M |
| Q3 2025 | 16.70% | 16.70% | 17.96% | 8.72% | $76.2M |
| Q4 2025 | — | — | — | 9.27% | — |
| Q1 2026 | — | — | — | 9.30% | — |
| Q2 2026 | — | — | — | 9.65% | — |
Sidney State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Sidney 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 Sidney State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17232) · FFIEC NIC profile (RSSD 648345)