The State Bank of Geneva: 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 Equity capital to total assets: 0.80 percentage points higher than in Q1 2026, at 11.10%. Within Illinois, The State Bank of Geneva is 75th of 198 on CET1 ratio, 17.47% as of Q2 2026, above the middle of the field. The State Bank of Geneva reported 17.47% on CET1 ratio for Q2 2026, 2.40 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.47% |
| Tier 1 risk-based capital ratio | 17.47% |
| Total risk-based capital ratio | 18.73% |
| Tier 1 leverage ratio | 11.81% |
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 | $14.3M |
| Tier 1 capital | $14.3M |
| Total risk-based capital | $15.4M |
| Total equity capital | $12.9M |
| Risk-weighted assets | $82.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.10% |
| Tangible equity to tangible assets | 11.10% |
| Equity capital to average assets | 10.63% |
| Internal capital growth rate | 2.59% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $930K |
| Common stock surplus | $2.1M |
| Retained earnings | $11.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.4M |
| 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 | 19.96% | 19.96% | 21.21% | 11.88% | $63.6M |
| Q4 2023 | 19.64% | 19.64% | 20.90% | 12.07% | $66.1M |
| Q1 2024 | 19.74% | 19.74% | 21.00% | 12.30% | $67.2M |
| Q2 2024 | 19.60% | 19.60% | 20.86% | 12.50% | $69.1M |
| Q3 2024 | 19.79% | 19.79% | 21.05% | 12.57% | $70.3M |
| Q4 2024 | 19.12% | 19.12% | 20.37% | 12.10% | $71.8M |
| Q1 2025 | 19.06% | 19.06% | 20.32% | 12.26% | $72.4M |
| Q2 2025 | 18.88% | 18.88% | 20.13% | 11.53% | $73.8M |
| Q3 2025 | 18.55% | 18.55% | 19.81% | 11.64% | $75.9M |
| Q4 2025 | 17.80% | 17.80% | 19.06% | 11.44% | $79.3M |
| Q1 2026 | 17.33% | 17.33% | 18.59% | 11.59% | $82.2M |
| Q2 2026 | 17.47% | 17.47% | 18.73% | 11.81% | $82.0M |
The State Bank of Geneva regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The State Bank of Geneva, 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 The State Bank of Geneva profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 925) · FFIEC NIC profile (RSSD 991135)