State Bank of Jeffers: 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 climbed 1.48 percentage points in Q2 2026, from 13.26% to 14.74%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, State Bank of Jeffers is 25th of 161 on CET1 ratio, 20.98% as of Q2 2026, above the middle of the field. State Bank of Jeffers reported 20.98% on CET1 ratio for Q2 2026, 1.42 points above the 19.57% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.98% |
| Tier 1 risk-based capital ratio | 20.98% |
| Total risk-based capital ratio | 21.98% |
| Tier 1 leverage ratio | 14.06% |
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 | $5.5M |
| Tier 1 capital | $5.5M |
| Total risk-based capital | $5.7M |
| Total equity capital | $5.5M |
| Risk-weighted assets | $26.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.74% |
| Tangible equity to tangible assets | 14.74% |
| Equity capital to average assets | 14.06% |
| Internal capital growth rate | 13.93% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $3.9M |
| Retained earnings | $1.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 15.96% | 15.96% | 17.00% | 10.44% | $24.9M |
| Q4 2023 | 13.36% | 13.36% | 14.22% | 11.43% | $30.6M |
| Q1 2024 | 14.68% | 14.68% | 15.92% | 11.49% | $29.1M |
| Q2 2024 | 15.79% | 15.79% | 16.76% | 12.67% | $28.6M |
| Q3 2024 | 18.95% | 18.95% | 19.91% | 12.60% | $24.7M |
| Q4 2024 | 14.88% | 14.88% | 15.66% | 12.26% | $31.0M |
| Q1 2025 | 17.41% | 17.41% | 18.30% | 12.14% | $27.3M |
| Q2 2025 | 18.71% | 18.71% | 19.68% | 13.04% | $26.3M |
| Q3 2025 | 19.25% | 19.25% | 20.22% | 13.51% | $26.4M |
| Q4 2025 | 19.04% | 19.04% | 20.00% | 12.86% | $26.5M |
| Q1 2026 | 18.37% | 18.37% | 19.27% | 13.58% | $28.8M |
| Q2 2026 | 20.98% | 20.98% | 21.98% | 14.06% | $26.0M |
State Bank of Jeffers regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Jeffers, 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 Jeffers profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10200) · FFIEC NIC profile (RSSD 1014255)