State Bank Financial: 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%.
Compared with Q1 2026, Equity capital to total assets rose 0.60 percentage points in Q2 2026 to 9.36%, the biggest move on this page. State Bank Financial ranks 36th of 85 Wisconsin banks on CET1 ratio, in the upper half at 13.73% (Q2 2026). State Bank Financial reported 13.73% on CET1 ratio for Q2 2026, 1.34 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.73% |
| Tier 1 risk-based capital ratio | 13.73% |
| Total risk-based capital ratio | 14.65% |
| Tier 1 leverage ratio | 9.94% |
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 | $52.8M |
| Tier 1 capital | $52.8M |
| Total risk-based capital | $56.3M |
| Total equity capital | $47.9M |
| Risk-weighted assets | $384.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.36% |
| Tangible equity to tangible assets | 8.87% |
| Equity capital to average assets | 8.98% |
| Internal capital growth rate | 7.00% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $327K |
| Common stock surplus | $24.2M |
| Retained earnings | $31.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.6M |
| 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 | 13.83% | 13.83% | 14.84% | 10.08% | $322.3M |
| Q4 2023 | 14.22% | 14.22% | 15.25% | 9.83% | $319.6M |
| Q1 2024 | 14.14% | 14.14% | 15.17% | 9.59% | $324.7M |
| Q2 2024 | 14.26% | 14.26% | 15.17% | 10.16% | $324.6M |
| Q3 2024 | 14.02% | 14.02% | 14.87% | 10.18% | $337.2M |
| Q4 2024 | 13.51% | 13.51% | 14.30% | 9.80% | $353.1M |
| Q1 2025 | 13.60% | 13.60% | 14.42% | 9.45% | $355.7M |
| Q2 2025 | 14.04% | 14.04% | 14.91% | 9.65% | $349.2M |
| Q3 2025 | 13.65% | 13.65% | 14.47% | 9.73% | $367.9M |
| Q4 2025 | 13.80% | 13.80% | 14.57% | 9.87% | $369.1M |
| Q1 2026 | 14.19% | 14.19% | 15.12% | 9.74% | $366.0M |
| Q2 2026 | 13.73% | 13.73% | 14.65% | 9.94% | $384.3M |
State Bank Financial regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank Financial, 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 Financial profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10383) · FFIEC NIC profile (RSSD 2631172)