State Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 11.90% +2.90 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $105.5M | 105,450 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $886.0M | 886,012 | RCOAA224 |
| Recomputed ratio | 11.90% | numerator / denominator | |
| Filed ratio | 11.90% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.90 pp | $25.7M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 20,000 | 20,050 | 20,000 | 20,000 | 20,004 | 20,000 | RCOAP742 |
| Retained earnings | 87,240 | 63,831 | 61,829 | 60,719 | 58,422 | 57,352 | RCOAKW00 |
| Accumulated other comprehensive income | (6,762) | (6,621) | (6,502) | (7,211) | (7,943) | (8,736) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 100,478 | 77,260 | 75,327 | 73,508 | 70,483 | 68,616 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 4,972 | 4,825 | 4,700 | 5,403 | 6,128 | 6,914 | P859 - P840 |
| Common equity Tier 1 capital | 105,450 | 82,085 | 80,027 | 78,911 | 76,611 | 75,530 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 105,450 | 82,085 | 80,027 | 78,911 | 76,611 | 75,530 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | 9,137 | 9,238 | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | 9,137 | 9,238 | |
| Total capital | NA | NA | NA | NA | 85,748 | 84,768 | |
| Total risk-weighted assets | NA | NA | NA | NA | 730,603 | 733,092 | |
| Average total assets for the leverage ratio | 886,012 | 864,812 | 876,554 | 852,733 | 835,866 | 826,365 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 11.90% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.49% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 9.13% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 9.25% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 10.49% | 10.49% | 11.74% | 9.17% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 10.30% | 10.30% | 11.56% | 9.14% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 10.22% | 10.22% | 11.41% | 8.96% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 10.44% | 10.44% | 11.67% | 8.75% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 10.21% | 10.21% | 11.42% | 8.70% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 10.47% | 10.47% | 11.71% | 8.80% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 11.05% | 11.05% | 12.32% | 8.72% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 10.42% | 10.42% | 11.61% | 8.77% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| State Bank (this bank) | CBLR | NA | NA | NA | 11.90% | |
| Century Next Bank | $916.4M | CBLR | NA | NA | NA | 11.95% |
| Finwise Bank | $915.5M | CBLR | NA | NA | NA | 18.05% |
| F&M Bank | $915.3M | CBLR | NA | NA | NA | 10.00% |
| Affinity Bank, National Association | $915.2M | Risk-based | 12.76% | 12.76% | 13.91% | 11.41% |
| Lindell Bank & Trust Company | $915.2M | CBLR | NA | NA | NA | 18.02% |
| The Juniata Valley Bank | $917.9M | Risk-based | 11.61% | 11.61% | 12.76% | 8.56% |
| Stonehambank | $918.3M | Risk-based | 12.51% | 12.51% | 13.71% | 8.94% |
| Spiritbank | $912.8M | Risk-based | 13.22% | 13.22% | 14.46% | 9.30% |
| Dr Bank | $912.6M | CBLR | NA | NA | NA | 10.28% |
| Versabank USA, N.A. | $911.9M | Risk-based | 30.43% | 30.43% | 30.43% | 22.46% |
| Peer 25th percentile | 12.51% | 12.51% | 13.71% | 9.47% | ||
| Peer median | 12.76% | 12.76% | 13.91% | 10.84% | ||
| Peer 75th percentile | 13.22% | 13.22% | 14.46% | 16.50% | ||
| This bank's percentile | NA | NA | NA | 60 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/345747/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.