State Bank of Downs: Regulatory Capital
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Data as of · Call Report Schedule RC-R How we update
On its Q2 2026 filing, State Bank of Downs reported 14 of the 19 line items on this page. It did not report total risk-based capital and risk-weighted assets. It elected the community bank leverage ratio, so it files no common equity Tier 1 ratio, tier 1 risk-based capital ratio and total risk-based capital ratio; the Tier 1 leverage ratio is its capital test. Tier 1 leverage ratio was 12.64% in Q2 2026, down 0.56 percentage points from 13.20% in Q2 2025. Across the 12 quarters shown it ranged from 12.64% (Q2 2026) to 13.68% (Q3 2024).
What the regulatory capital page covers and where each line comes from.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Equity capital to average assets fell 0.72 percentage points from Q1 2026 to Q2 2026, ending at 12.64% against 13.36%. 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 | Not applicable (CBLR) |
| Tier 1 risk-based capital ratio | Not applicable (CBLR) |
| Total risk-based capital ratio | Not applicable (CBLR) |
| Tier 1 leverage ratio | 12.64% |
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. What the community bank leverage ratio is.
Source: Call Report Schedule RC-R; Tier 1 leverage ratio: Call Report Schedule RC-R, Part I (RCOA7204). Open the filed call report for Q2 2026 on the FFIEC CDR.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $19.2M |
| Tier 1 capital | $19.2M |
| Total risk-based capital | — |
| Total equity capital | $19.2M |
| Risk-weighted assets | — |
Source: Call Report Schedule RC-R; Total equity capital: Call Report Schedule RC, item 27.a (RCON3210). Open the filed call report for Q2 2026 on the FFIEC CDR.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.99% |
| Tangible equity to tangible assets | 12.99% |
| Equity capital to average assets | 12.64% |
| Internal capital growth rate | -11.25% |
Source: Call Report Schedule RC-R. Open the filed call report for Q2 2026 on the FFIEC CDR.
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $750K |
| Retained earnings | $18.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8K |
| Subordinated notes and debentures | $0 |
Source: Call Report Schedule RC-R. Open the filed call report for Q2 2026 on the FFIEC CDR.
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 | 13.14% | 13.19% | 13.19% |
| Q4 2023 | 12.86% | 13.20% | 13.20% |
| Q1 2024 | 13.11% | 12.90% | 12.90% |
| Q2 2024 | 13.48% | 13.95% | 13.95% |
| Q3 2024 | 13.68% | 13.60% | 13.60% |
| Q4 2024 | 12.65% | 13.09% | 13.09% |
| Q1 2025 | 12.79% | 12.86% | 12.86% |
| Q2 2025 | 13.20% | 13.52% | 13.52% |
| Q3 2025 | 13.47% | 13.75% | 13.75% |
| Q4 2025 | 13.13% | 13.73% | 13.73% |
| Q1 2026 | 13.35% | 12.89% | 12.89% |
| Q2 2026 | 12.64% | 12.99% | 12.99% |
State Bank of Downs regulatory capital, quarter by quarter
Regulatory Capital since Q2 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-R, Q2 2026. How these pages are built. See the full State Bank of Downs profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9659) · FFIEC NIC profile (RSSD 792453)