State Bank of Chandler: 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 Retained earnings: 13.1% higher than in Q1 2026, at $2.4M. Within Minnesota, State Bank of Chandler is 51st of 161 on CET1 ratio, 16.19% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 19.57% on CET1 ratio. State Bank of Chandler sits 3.38 points lower, at 16.19% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.19% |
| Tier 1 risk-based capital ratio | 16.19% |
| Total risk-based capital ratio | 17.44% |
| Tier 1 leverage ratio | 11.59% |
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 | $7.9M |
| Tier 1 capital | $7.9M |
| Total risk-based capital | $8.5M |
| Total equity capital | $7.7M |
| Risk-weighted assets | $48.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.25% |
| Tangible equity to tangible assets | 11.25% |
| Equity capital to average assets | 11.33% |
| Internal capital growth rate | 15.07% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $5.5M |
| Retained earnings | $2.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$181K |
| 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 | 15.30% | 15.30% | 16.55% | 11.20% | $48.3M |
| Q4 2023 | 15.54% | 15.54% | 16.79% | 11.24% | $48.5M |
| Q1 2024 | 15.24% | 15.24% | 16.49% | 10.81% | $48.4M |
| Q2 2024 | 16.43% | 16.43% | 17.69% | 11.64% | $45.9M |
| Q3 2024 | 16.78% | 16.78% | 18.03% | 11.79% | $45.9M |
| Q4 2024 | 16.08% | 16.08% | 17.33% | 11.93% | $49.2M |
| Q1 2025 | 16.95% | 16.95% | 18.21% | 11.30% | $45.9M |
| Q2 2025 | 17.12% | 17.12% | 18.37% | 12.00% | $46.8M |
| Q3 2025 | 17.57% | 17.57% | 18.83% | 12.28% | $46.8M |
| Q4 2025 | 15.42% | 15.42% | 16.67% | 11.22% | $49.9M |
| Q1 2026 | 16.12% | 16.12% | 17.37% | 10.94% | $47.4M |
| Q2 2026 | 16.19% | 16.19% | 17.44% | 11.59% | $48.9M |
State Bank of Chandler regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Chandler, 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 Chandler profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8858) · FFIEC NIC profile (RSSD 112556)