State Bank of Industry: 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 Q3 2026 was in Accumulated other comprehensive income: 59.1% lower than in Q2 2026, at -$1.7M.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.44% |
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 | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $9.6M |
| Tier 1 capital | $9.6M |
| Total risk-based capital | — |
| Total equity capital | $8.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 12.27% |
| Tangible equity to tangible assets | 12.27% |
| Equity capital to average assets | 11.96% |
| Internal capital growth rate | 7.73% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $400K |
| Retained earnings | $8.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.7M |
| 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 |
|---|---|---|---|---|---|
| Q4 2023 | 22.20% | 22.20% | 23.00% | 15.07% | $39.7M |
| Q1 2024 | 21.76% | 21.76% | 22.69% | 14.62% | $40.5M |
| Q2 2024 | 20.75% | 20.75% | 21.66% | 14.65% | $42.8M |
| Q3 2024 | 20.99% | 20.99% | 21.87% | 14.76% | $42.9M |
| Q4 2024 | — | — | — | 14.29% | — |
| Q1 2025 | — | — | — | 13.64% | — |
| Q2 2025 | — | — | — | 13.45% | — |
| Q3 2025 | — | — | — | 14.03% | — |
| Q4 2025 | — | — | — | 14.57% | — |
| Q1 2026 | — | — | — | 13.96% | — |
| Q2 2026 | — | — | — | 14.21% | — |
| Q3 2026 | — | — | — | 14.44% | — |
State Bank of Industry regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Industry, 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 Industry profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10820) · FFIEC NIC profile (RSSD 944935)