State Bank of Bement: 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%.
Equity capital to average assets rose 0.30 percentage points from Q1 2026 to Q2 2026, ending at 10.01% against 9.71%. It was the largest change among the key lines on this page.
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 | 10.19% |
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 | $18.9M |
| Tier 1 capital | $18.9M |
| Total risk-based capital | — |
| Total equity capital | $18.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.03% |
| Tangible equity to tangible assets | 9.78% |
| Equity capital to average assets | 10.01% |
| Internal capital growth rate | 6.51% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $416K |
| Common stock surplus | $4.6M |
| Retained earnings | $14.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$779K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 10.04% | 8.08% | 7.81% |
| Q4 2023 | 9.84% | 8.36% | 8.10% |
| Q1 2024 | 9.92% | 8.87% | 8.60% |
| Q2 2024 | 10.22% | 8.99% | 8.73% |
| Q3 2024 | 10.11% | 9.57% | 9.32% |
| Q4 2024 | 9.70% | 9.02% | 8.75% |
| Q1 2025 | 10.01% | 9.84% | 9.58% |
| Q2 2025 | 10.45% | 10.11% | 9.84% |
| Q3 2025 | 10.31% | 9.90% | 9.65% |
| Q4 2025 | 10.05% | 9.74% | 9.49% |
| Q1 2026 | 9.91% | 9.86% | 9.61% |
| Q2 2026 | 10.19% | 10.03% | 9.78% |
State Bank of Bement regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Bement, 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 of Bement profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10855) · FFIEC NIC profile (RSSD 439730)