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.
In Q2 2026, Risk-weighted assets edged up by 1.3%, from $45.9M to $46.5M, the largest move among the key lines here. Within Iowa, State Bank is 61st of 114 on CET1 ratio, 13.56% as of Q2 2026. State Bank reported 13.56% on CET1 ratio for Q2 2026, 6.41 points below the 19.96% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.56% |
| Tier 1 risk-based capital ratio | 13.56% |
| Total risk-based capital ratio | 14.81% |
| Tier 1 leverage ratio | 8.31% |
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 | $6.3M |
| Tier 1 capital | $6.3M |
| Total risk-based capital | $6.9M |
| Total equity capital | $6.2M |
| Risk-weighted assets | $46.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.27% |
| Tangible equity to tangible assets | 8.27% |
| Equity capital to average assets | 8.17% |
| Internal capital growth rate | 0.32% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $124K |
| Common stock surplus | $3.7M |
| Retained earnings | $2.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$106K |
| 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 | 12.76% | 12.76% | 14.01% | 8.07% | $48.5M |
| Q4 2023 | 13.21% | 13.21% | 14.46% | 8.36% | $47.7M |
| Q1 2024 | 13.38% | 13.38% | 14.63% | 8.55% | $46.7M |
| Q2 2024 | 13.60% | 13.60% | 14.85% | 8.60% | $46.1M |
| Q3 2024 | 13.16% | 13.16% | 14.41% | 8.15% | $46.8M |
| Q4 2024 | 13.20% | 13.20% | 14.45% | 8.09% | $47.6M |
| Q1 2025 | 14.19% | 14.19% | 15.45% | 8.10% | $44.1M |
| Q2 2025 | 13.78% | 13.78% | 15.03% | 8.29% | $45.6M |
| Q3 2025 | 13.71% | 13.71% | 14.96% | 8.46% | $46.2M |
| Q4 2025 | 13.49% | 13.49% | 14.73% | 8.51% | $47.0M |
| Q1 2026 | 13.72% | 13.72% | 14.97% | 8.43% | $45.9M |
| Q2 2026 | 13.56% | 13.56% | 14.81% | 8.31% | $46.5M |
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 16151) · FFIEC NIC profile (RSSD 651149)