St. Clair County 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The biggest quarter-over-quarter change on this page was a small one: Retained earnings edged up 2.2% between Q1 2026 and Q2 2026, to $30.3M.
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 | 13.51% |
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 | $30.8M |
| Tier 1 capital | $30.8M |
| Total risk-based capital | — |
| Total equity capital | $30.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.29% |
| Tangible equity to tangible assets | 13.29% |
| Equity capital to average assets | 13.51% |
| Internal capital growth rate | 8.58% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $173K |
| Common stock surplus | $387K |
| Retained earnings | $30.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7K |
| 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 | 13.03% | 12.90% | 12.90% |
| Q4 2023 | 13.02% | 12.70% | 12.70% |
| Q1 2024 | 12.97% | 12.73% | 12.73% |
| Q2 2024 | 13.23% | 13.05% | 13.05% |
| Q3 2024 | 13.35% | 13.28% | 13.28% |
| Q4 2024 | 13.22% | 12.88% | 12.88% |
| Q1 2025 | 13.19% | 13.02% | 13.02% |
| Q2 2025 | 13.33% | 13.32% | 13.32% |
| Q3 2025 | 13.61% | 13.59% | 13.59% |
| Q4 2025 | 13.78% | 13.75% | 13.75% |
| Q1 2026 | 13.46% | 13.32% | 13.32% |
| Q2 2026 | 13.51% | 13.29% | 13.29% |
St. Clair County State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock St. Clair County 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 St. Clair County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11002) · FFIEC NIC profile (RSSD 692450)