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 rose 3.3% from Q1 2026 to Q2 2026, ending at $10.9M against $10.5M. It was the largest change among the key lines on this page.
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 | 9.54% |
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 | $10.9M |
| Tier 1 capital | $10.9M |
| Total risk-based capital | — |
| Total equity capital | $10.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.41% |
| Tangible equity to tangible assets | 9.41% |
| Equity capital to average assets | 9.54% |
| Internal capital growth rate | 13.09% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $758K |
| Common stock surplus | $9.1M |
| Retained earnings | $989K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 16.56% | 16.25% | 16.25% |
| Q4 2023 | 15.73% | 15.16% | 15.16% |
| Q1 2024 | 14.50% | 14.24% | 14.24% |
| Q2 2024 | 13.51% | 12.95% | 12.95% |
| Q3 2024 | 12.18% | 11.97% | 11.97% |
| Q4 2024 | 11.45% | 11.41% | 11.41% |
| Q1 2025 | 10.97% | 10.74% | 10.74% |
| Q2 2025 | 10.28% | 9.87% | 9.87% |
| Q3 2025 | 9.87% | 9.56% | 9.56% |
| Q4 2025 | 9.70% | 9.76% | 9.76% |
| Q1 2026 | 9.60% | 9.37% | 9.37% |
| Q2 2026 | 9.54% | 9.41% | 9.41% |
State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34441) · FFIEC NIC profile (RSSD 2602828)