State Bank of Easton: 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%.
Equity capital to total assets rose 0.62 percentage points from Q1 2026 to Q2 2026, ending at 13.77% against 13.15%. It was the largest change among the key lines on this page. State Bank of Easton ranks 34th of 161 Minnesota banks on CET1 ratio, in the upper half at 19.20% (Q2 2026). The median for banks in the < $100M asset tier is 19.57% on CET1 ratio; State Bank of Easton reported 19.20% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.20% |
| Tier 1 risk-based capital ratio | 19.20% |
| Total risk-based capital ratio | 20.45% |
| Tier 1 leverage ratio | 13.76% |
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 | $3.9M |
| Tier 1 capital | $3.9M |
| Total risk-based capital | $4.2M |
| Total equity capital | $3.9M |
| Risk-weighted assets | $20.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.77% |
| Tangible equity to tangible assets | 13.77% |
| Equity capital to average assets | 13.68% |
| Internal capital growth rate | 3.20% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $25K |
| Common stock surplus | $3.0M |
| Retained earnings | $928K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$22K |
| 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 | 19.23% | 19.23% | 20.48% | 11.63% | $16.8M |
| Q4 2023 | 19.90% | 19.90% | 21.15% | 11.92% | $16.6M |
| Q1 2024 | 20.47% | 20.47% | 21.72% | 11.78% | $16.5M |
| Q2 2024 | 19.37% | 19.37% | 20.62% | 12.55% | $17.9M |
| Q3 2024 | 19.72% | 19.72% | 20.97% | 12.61% | $18.0M |
| Q4 2024 | 18.42% | 18.42% | 19.67% | 12.46% | $19.3M |
| Q1 2025 | — | — | — | 12.54% | — |
| Q2 2025 | 19.64% | 19.64% | 20.89% | 13.20% | $19.0M |
| Q3 2025 | 18.97% | 18.97% | 20.18% | 13.56% | $20.0M |
| Q4 2025 | 18.92% | 18.92% | 20.12% | 13.44% | $20.2M |
| Q1 2026 | 19.32% | 19.32% | 20.55% | 13.60% | $20.2M |
| Q2 2026 | 19.20% | 19.20% | 20.45% | 13.76% | $20.5M |
State Bank of Easton regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Easton, 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 Easton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16561) · FFIEC NIC profile (RSSD 379050)