Spiro 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%.
Common equity tier 1 capital climbed 105.2% in Q2 2026, from $10.3M to $21.0M. 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 | 17.01% |
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 | $21.0M |
| Tier 1 capital | $21.0M |
| Total risk-based capital | — |
| Total equity capital | $24.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 19.20% |
| Tangible equity to tangible assets | 16.87% |
| Equity capital to average assets | 19.55% |
| Internal capital growth rate | 2.97% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $800K |
| Common stock surplus | $24.3M |
| Retained earnings | -$218K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $26K |
| 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 | 11.11% | 7.62% | 7.62% |
| Q4 2023 | 11.15% | 8.45% | 8.45% |
| Q1 2024 | 12.66% | 16.97% | 12.08% |
| Q2 2024 | 15.36% | 19.12% | 14.61% |
| Q3 2024 | 15.51% | 20.16% | 15.78% |
| Q4 2024 | 13.66% | 17.28% | 13.17% |
| Q1 2025 | 12.72% | 16.26% | 12.45% |
| Q2 2025 | 12.50% | 14.90% | 11.42% |
| Q3 2025 | 11.82% | 14.11% | 10.84% |
| Q4 2025 | 11.29% | 12.39% | 9.50% |
| Q1 2026 | 9.03% | 11.57% | 8.84% |
| Q2 2026 | 17.01% | 19.20% | 16.87% |
Spiro State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Spiro 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 Spiro State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16908) · FFIEC NIC profile (RSSD 397858)