The State Bank and Trust Company: 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%.
Retained earnings rose 4.2% from Q1 2026 to Q2 2026, ending at $115.0M against $110.4M. It was the largest change among the key lines on this page. The State Bank and Trust Company ranks 62nd of 84 Ohio banks on CET1 ratio, in the lower half at 12.37% (Q2 2026). The State Bank and Trust Company reported 12.37% on CET1 ratio for Q2 2026, 1.11 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.37% |
| Tier 1 risk-based capital ratio | 12.37% |
| Total risk-based capital ratio | 13.62% |
| Tier 1 leverage ratio | 10.00% |
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 | $161.0M |
| Tier 1 capital | $161.0M |
| Total risk-based capital | $177.2M |
| Total equity capital | $165.6M |
| Risk-weighted assets | $1.30B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.27% |
| Tangible equity to tangible assets | 8.77% |
| Equity capital to average assets | 10.12% |
| Internal capital growth rate | 11.47% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.5M |
| Common stock surplus | $66.9M |
| Retained earnings | $115.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$21.9M |
| 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 | 13.56% | 13.56% | 14.81% | 10.99% | $1.10B |
| Q4 2023 | 13.42% | 13.42% | 14.67% | 10.93% | $1.10B |
| Q1 2024 | 13.84% | 13.84% | 15.09% | 11.17% | $1.09B |
| Q2 2024 | 13.98% | 13.98% | 15.24% | 11.31% | $1.10B |
| Q3 2024 | 13.19% | 13.19% | 14.44% | 10.92% | $1.15B |
| Q4 2024 | 13.43% | 13.43% | 14.69% | 11.09% | $1.16B |
| Q1 2025 | 12.35% | 12.35% | 13.60% | 10.06% | $1.20B |
| Q2 2025 | 12.53% | 12.53% | 13.78% | 10.15% | $1.22B |
| Q3 2025 | 12.48% | 12.48% | 13.73% | 10.08% | $1.22B |
| Q4 2025 | 11.78% | 11.78% | 13.03% | 9.86% | $1.29B |
| Q1 2026 | 12.21% | 12.21% | 13.47% | 9.91% | $1.28B |
| Q2 2026 | 12.37% | 12.37% | 13.62% | 10.00% | $1.30B |
The State Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The State Bank and Trust Company, 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 The State Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13339) · FFIEC NIC profile (RSSD 614313)