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 standout move of Q2 2026 was in Retained earnings: 36.7% higher than in Q1 2026, at $87.2M.
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 | 11.90% |
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 | $105.5M |
| Tier 1 capital | $105.5M |
| Total risk-based capital | — |
| Total equity capital | $100.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.97% |
| Tangible equity to tangible assets | 10.79% |
| Equity capital to average assets | 11.32% |
| Internal capital growth rate | 7.29% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $19.9M |
| Retained earnings | $87.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.8M |
| 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 | 10.42% | 10.42% | 11.61% | 8.77% | $660.7M |
| Q4 2023 | 11.05% | 11.05% | 12.32% | 8.72% | $634.8M |
| Q1 2024 | 10.47% | 10.47% | 11.71% | 8.80% | $680.3M |
| Q2 2024 | 10.21% | 10.21% | 11.42% | 8.70% | $700.7M |
| Q3 2024 | 10.44% | 10.44% | 11.67% | 8.75% | $699.0M |
| Q4 2024 | 10.22% | 10.22% | 11.41% | 8.96% | $725.0M |
| Q1 2025 | 10.30% | 10.30% | 11.56% | 9.14% | $733.1M |
| Q2 2025 | 10.49% | 10.49% | 11.74% | 9.17% | $730.6M |
| Q3 2025 | — | — | — | 9.25% | — |
| Q4 2025 | — | — | — | 9.13% | — |
| Q1 2026 | — | — | — | 9.49% | — |
| Q2 2026 | — | — | — | 11.90% | — |
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 1833) · FFIEC NIC profile (RSSD 345747)