State Bank of Bern: 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 14.7% higher than in Q1 2026, at -$1.1M.
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 | 17.33% |
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 | $22.1M |
| Tier 1 capital | $22.1M |
| Total risk-based capital | — |
| Total equity capital | $21.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.43% |
| Tangible equity to tangible assets | 16.43% |
| Equity capital to average assets | 16.48% |
| Internal capital growth rate | 9.47% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $150K |
| Retained earnings | $21.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | 17.66% | 14.15% | 14.15% |
| Q4 2023 | 17.60% | 15.48% | 15.48% |
| Q1 2024 | 17.37% | 14.92% | 14.92% |
| Q2 2024 | 17.31% | 15.23% | 15.23% |
| Q3 2024 | 17.68% | 16.34% | 16.34% |
| Q4 2024 | 17.28% | 15.73% | 15.73% |
| Q1 2025 | 17.59% | 15.83% | 15.83% |
| Q2 2025 | 17.59% | 16.11% | 16.11% |
| Q3 2025 | 17.97% | 16.92% | 16.92% |
| Q4 2025 | 17.51% | 16.91% | 16.91% |
| Q1 2026 | 17.10% | 16.13% | 16.13% |
| Q2 2026 | 17.33% | 16.43% | 16.43% |
State Bank of Bern regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Bern, 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 Bern profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10919) · FFIEC NIC profile (RSSD 1013650)