State Bank of Scotia: 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 average assets fell 0.68 percentage points in Q2 2026 to 19.87%, the biggest move on this page. Among 57 Nebraska banks, State Bank of Scotia sits 4th from the top on CET1 ratio, 34.30% as of Q2 2026. State Bank of Scotia's CET1 ratio of 34.30% is well above the 19.57% median for banks in the < $100M asset tier, a gap of 14.73 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 34.30% |
| Tier 1 risk-based capital ratio | 34.30% |
| Total risk-based capital ratio | 35.56% |
| Tier 1 leverage ratio | 19.87% |
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 | $12.2M |
| Tier 1 capital | $12.2M |
| Total risk-based capital | $12.6M |
| Total equity capital | $12.2M |
| Risk-weighted assets | $35.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 19.98% |
| Tangible equity to tangible assets | 19.98% |
| Equity capital to average assets | 19.87% |
| Internal capital growth rate | -2.35% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $250K |
| Common stock surplus | $650K |
| Retained earnings | $11.3M |
| 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 | 27.85% | 27.85% | 29.12% | 20.24% | $43.5M |
| Q4 2023 | 27.69% | 27.69% | 28.97% | 19.50% | $43.3M |
| Q1 2024 | 28.67% | 28.67% | 29.95% | 19.33% | $42.2M |
| Q2 2024 | 29.01% | 29.01% | 30.29% | 20.00% | $41.9M |
| Q3 2024 | 29.48% | 29.48% | 30.75% | 20.62% | $41.8M |
| Q4 2024 | 30.06% | 30.06% | 31.32% | 20.51% | $40.4M |
| Q1 2025 | 30.04% | 30.04% | 31.31% | 19.25% | $40.9M |
| Q2 2025 | 31.41% | 31.41% | 32.67% | 19.60% | $39.0M |
| Q3 2025 | 32.79% | 32.79% | 34.05% | 20.44% | $37.8M |
| Q4 2025 | 32.91% | 32.91% | 34.17% | 20.99% | $37.0M |
| Q1 2026 | 33.57% | 33.57% | 34.83% | 20.55% | $36.5M |
| Q2 2026 | 34.30% | 34.30% | 35.56% | 19.87% | $35.5M |
State Bank of Scotia regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Scotia, 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 Scotia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14069) · FFIEC NIC profile (RSSD 926650)