The State Bank of Pearl City: 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%.
Compared with Q1 2026, Equity capital to total assets fell 0.51 percentage points in Q2 2026 to 10.11%, the biggest move on this page.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.31% |
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 | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $7.9M |
| Tier 1 capital | $7.9M |
| Total risk-based capital | — |
| Total equity capital | $7.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.11% |
| Tangible equity to tangible assets | 10.11% |
| Equity capital to average assets | 10.58% |
| Internal capital growth rate | 9.90% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $1.7M |
| Retained earnings | $6.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$514K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 9.83% | 7.28% | 7.28% |
| Q4 2023 | 9.49% | 7.91% | 7.91% |
| Q1 2024 | 9.43% | 7.57% | 7.57% |
| Q2 2024 | 9.18% | 7.14% | 7.14% |
| Q3 2024 | 8.73% | 8.76% | 8.76% |
| Q4 2024 | 9.67% | 8.62% | 8.62% |
| Q1 2025 | 10.51% | 9.69% | 9.69% |
| Q2 2025 | 10.92% | 9.53% | 9.53% |
| Q3 2025 | 10.16% | 9.57% | 9.57% |
| Q4 2025 | 10.26% | 10.47% | 10.47% |
| Q1 2026 | 11.12% | 10.61% | 10.61% |
| Q2 2026 | 11.31% | 10.11% | 10.11% |
The State Bank of Pearl City regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The State Bank of Pearl City, 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 Pearl City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16344) · FFIEC NIC profile (RSSD 923949)