St. Landry Bank and Trust Company: 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%.
Accumulated other comprehensive income climbed 8.0% in Q2 2026, from -$9.0M to -$8.3M. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, St. Landry Bank and Trust Company is 12th of 46 on CET1 ratio, 26.65% as of Q2 2026, above the middle of the field. Against a median of 15.07% for banks in the $100M-1B asset tier, St. Landry Bank and Trust Company reported 26.65% on CET1 ratio in Q2 2026, 11.58 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 26.65% |
| Tier 1 risk-based capital ratio | 26.65% |
| Total risk-based capital ratio | 27.91% |
| Tier 1 leverage ratio | 11.20% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $32.7M |
| Tier 1 capital | $32.7M |
| Total risk-based capital | $34.3M |
| Total equity capital | $24.5M |
| Risk-weighted assets | $122.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.30% |
| Tangible equity to tangible assets | 8.30% |
| Equity capital to average assets | 8.37% |
| Internal capital growth rate | 4.70% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $450K |
| Common stock surplus | $11.3M |
| Retained earnings | $22.1M |
| 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 | 30.21% | 30.21% | 31.48% | 11.06% | $101.4M |
| Q4 2023 | 31.22% | 31.22% | 32.50% | 10.78% | $97.6M |
| Q1 2024 | 31.15% | 31.15% | 32.42% | 10.75% | $98.9M |
| Q2 2024 | 26.92% | 26.92% | 28.19% | 10.71% | $116.0M |
| Q3 2024 | 26.91% | 26.91% | 28.18% | 10.77% | $117.0M |
| Q4 2024 | 27.93% | 27.93% | 29.19% | 11.26% | $118.2M |
| Q1 2025 | 27.45% | 27.45% | 28.70% | 11.29% | $118.0M |
| Q2 2025 | 27.21% | 27.21% | 28.47% | 11.36% | $121.7M |
| Q3 2025 | 26.39% | 26.39% | 27.64% | 11.52% | $126.1M |
| Q4 2025 | 27.09% | 27.09% | 28.35% | 11.36% | $123.1M |
| Q1 2026 | 26.08% | 26.08% | 27.33% | 11.07% | $124.5M |
| Q2 2026 | 26.65% | 26.65% | 27.91% | 11.20% | $122.8M |
St. Landry Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock St. Landry Bank and Trust Company, 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. Landry Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8534) · FFIEC NIC profile (RSSD 885430)