State Bank of Chilton: 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 3.2% from Q1 2026 to Q2 2026, ending at $46.8M against $45.3M. 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 | 12.75% |
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 | $65.8M |
| Tier 1 capital | $65.8M |
| Total risk-based capital | — |
| Total equity capital | $65.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.71% |
| Tangible equity to tangible assets | 12.71% |
| Equity capital to average assets | 12.72% |
| Internal capital growth rate | 9.10% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $18.6M |
| Retained earnings | $46.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$161K |
| 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 | 10.59% | 10.53% | 10.43% |
| Q4 2023 | 11.06% | 10.90% | 10.82% |
| Q1 2024 | 10.86% | 10.92% | 10.85% |
| Q2 2024 | 11.40% | 11.13% | 11.07% |
| Q3 2024 | 11.31% | 11.44% | 11.38% |
| Q4 2024 | 11.23% | 11.23% | 11.18% |
| Q1 2025 | 11.80% | 11.74% | 11.70% |
| Q2 2025 | 12.21% | 11.94% | 11.91% |
| Q3 2025 | 12.51% | 12.28% | 12.26% |
| Q4 2025 | 12.50% | 12.36% | 12.35% |
| Q1 2026 | 12.68% | 12.52% | 12.52% |
| Q2 2026 | 12.75% | 12.71% | 12.71% |
State Bank of Chilton regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Chilton, 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 Chilton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12331) · FFIEC NIC profile (RSSD 120542)