Southstar Bank, S.S.B.: 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%.
In Q2 2026, Retained earnings edged up by 2.3%, from $161.3M to $165.1M, the largest move 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 | 13.28% |
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 | $179.0M |
| Tier 1 capital | $179.0M |
| Total risk-based capital | — |
| Total equity capital | $170.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.47% |
| Tangible equity to tangible assets | 12.47% |
| Equity capital to average assets | 12.67% |
| Internal capital growth rate | 9.00% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $656K |
| Common stock surplus | $13.3M |
| Retained earnings | $165.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.3M |
| 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 | 15.45% | 15.45% | 16.28% | 11.25% | $912.6M |
| Q4 2023 | 16.52% | 16.52% | 17.39% | 11.69% | $871.1M |
| Q1 2024 | 16.70% | 16.70% | 17.56% | 11.95% | $880.4M |
| Q2 2024 | 17.15% | 17.15% | 18.02% | 12.41% | $876.9M |
| Q3 2024 | 18.07% | 18.07% | 18.99% | 12.79% | $852.1M |
| Q4 2024 | 18.70% | 18.70% | 19.63% | 13.12% | $840.6M |
| Q1 2025 | 18.29% | 18.29% | 19.19% | 13.04% | $876.9M |
| Q2 2025 | 17.87% | 17.87% | 18.73% | 12.82% | $916.9M |
| Q3 2025 | 18.16% | 18.16% | 19.03% | 13.06% | $923.4M |
| Q4 2025 | 18.17% | 18.17% | 19.04% | 13.19% | $944.2M |
| Q1 2026 | 18.49% | 18.49% | 19.33% | 13.27% | $947.7M |
| Q2 2026 | — | — | — | 13.28% | — |
Southstar Bank, S.S.B. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Southstar Bank, S.S.B., 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 Southstar Bank, S.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12299) · FFIEC NIC profile (RSSD 171768)