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.
Compared with Q1 2026, Equity capital to total assets rose 0.70 percentage points in Q2 2026 to 7.66%, the biggest move on this page. On CET1 ratio, State Bank is 11th from the bottom among 198 Illinois banks, 10.54% (Q2 2026). State Bank reported 10.54% on CET1 ratio for Q2 2026, 4.54 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.54% |
| Tier 1 risk-based capital ratio | 10.54% |
| Total risk-based capital ratio | 11.41% |
| Tier 1 leverage ratio | 9.23% |
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 | $27.4M |
| Tier 1 capital | $27.4M |
| Total risk-based capital | $29.7M |
| Total equity capital | $22.7M |
| Risk-weighted assets | $260.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.66% |
| Tangible equity to tangible assets | 7.66% |
| Equity capital to average assets | 7.62% |
| Internal capital growth rate | 6.88% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $231K |
| Common stock surplus | $1.7M |
| Retained earnings | $25.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.8M |
| 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 | 10.56% | 10.56% | 11.68% | 8.15% | $244.2M |
| Q4 2023 | 10.46% | 10.46% | 11.58% | 7.99% | $242.2M |
| Q1 2024 | 10.61% | 10.61% | 11.74% | 8.02% | $239.7M |
| Q2 2024 | 10.49% | 10.49% | 11.74% | 7.87% | $237.7M |
| Q3 2024 | 11.04% | 11.04% | 12.11% | 8.13% | $234.3M |
| Q4 2024 | 11.08% | 11.08% | 12.13% | 8.29% | $235.8M |
| Q1 2025 | 11.10% | 11.10% | 12.12% | 8.69% | $236.2M |
| Q2 2025 | 10.95% | 10.95% | 11.95% | 8.94% | $247.1M |
| Q3 2025 | 10.88% | 10.88% | 11.87% | 9.02% | $253.4M |
| Q4 2025 | 10.25% | 10.25% | 11.35% | 8.80% | $261.8M |
| Q1 2026 | 10.60% | 10.60% | 11.47% | 9.05% | $255.4M |
| Q2 2026 | 10.54% | 10.54% | 11.41% | 9.23% | $260.4M |
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 12706) · FFIEC NIC profile (RSSD 266244)