State Bank of India (California): 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 largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.32 percentage points to 13.51%. State Bank of India (California) ranks 32nd of 74 California banks on CET1 ratio, in the upper half at 15.94% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. State Bank of India (California) sits 2.47 points higher, at 15.94% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.94% |
| Tier 1 risk-based capital ratio | 15.94% |
| Total risk-based capital ratio | 17.19% |
| Tier 1 leverage ratio | 14.05% |
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 | $194.4M |
| Tier 1 capital | $194.4M |
| Total risk-based capital | $209.7M |
| Total equity capital | $186.8M |
| Risk-weighted assets | $1.22B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.51% |
| Tangible equity to tangible assets | 13.51% |
| Equity capital to average assets | 13.49% |
| Internal capital growth rate | 6.29% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $94.5M |
| Common stock surplus | $2.7M |
| Retained earnings | $97.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.7M |
| 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 | 17.26% | 17.26% | 18.51% | 15.37% | $1.00B |
| Q4 2023 | 17.11% | 17.11% | 18.37% | 15.26% | $1.03B |
| Q1 2024 | 16.66% | 16.66% | 17.91% | 15.22% | $1.06B |
| Q2 2024 | 17.36% | 17.36% | 18.61% | 15.13% | $1.03B |
| Q3 2024 | 16.34% | 16.34% | 17.59% | 15.08% | $1.10B |
| Q4 2024 | 16.44% | 16.44% | 17.69% | 14.51% | $1.11B |
| Q1 2025 | 16.32% | 16.32% | 17.58% | 14.62% | $1.12B |
| Q2 2025 | 16.05% | 16.05% | 17.30% | 14.36% | $1.15B |
| Q3 2025 | 16.07% | 16.07% | 17.32% | 14.20% | $1.17B |
| Q4 2025 | 15.76% | 15.76% | 17.01% | 14.14% | $1.20B |
| Q1 2026 | 15.42% | 15.42% | 16.67% | 13.93% | $1.24B |
| Q2 2026 | 15.94% | 15.94% | 17.19% | 14.05% | $1.22B |
State Bank of India (California) regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of India (California), 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 India (California) profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23998) · FFIEC NIC profile (RSSD 779968)