State Bank of De Kalb: 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, Retained earnings rose 3.8% in Q2 2026 to $45.5M, the biggest move 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 | 12.17% |
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 | $61.9M |
| Tier 1 capital | $61.9M |
| Total risk-based capital | — |
| Total equity capital | $62.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.98% |
| Tangible equity to tangible assets | 11.90% |
| Equity capital to average assets | 12.24% |
| Internal capital growth rate | 11.10% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $6.3M |
| Common stock surplus | $11.0M |
| Retained earnings | $45.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$68K |
| 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 | 10.80% | 10.78% | 10.64% |
| Q4 2023 | 10.89% | 11.17% | 11.04% |
| Q1 2024 | 10.79% | 10.59% | 10.46% |
| Q2 2024 | 11.07% | 11.09% | 10.97% |
| Q3 2024 | 11.44% | 11.30% | 11.19% |
| Q4 2024 | 11.55% | 11.97% | 11.86% |
| Q1 2025 | 11.65% | 11.65% | 11.54% |
| Q2 2025 | 11.68% | 11.71% | 11.61% |
| Q3 2025 | 11.82% | 11.71% | 11.62% |
| Q4 2025 | 11.91% | 11.93% | 11.84% |
| Q1 2026 | 11.92% | 11.63% | 11.55% |
| Q2 2026 | 12.17% | 11.98% | 11.90% |
State Bank of De Kalb regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of De Kalb, 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 De Kalb profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15463) · FFIEC NIC profile (RSSD 621357)