State Bank of Southern Utah: 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 Accumulated other comprehensive income, which fell 7.3% to -$16.0M.
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 | 12.04% |
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 | $327.2M |
| Tier 1 capital | $327.2M |
| Total risk-based capital | — |
| Total equity capital | $312.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.40% |
| Tangible equity to tangible assets | 11.37% |
| Equity capital to average assets | 11.48% |
| Internal capital growth rate | 15.34% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $255K |
| Common stock surplus | $6.7M |
| Retained earnings | $321.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$16.0M |
| 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 | 10.24% | 7.95% | 7.87% |
| Q4 2023 | 10.36% | 8.77% | 8.70% |
| Q1 2024 | 10.47% | 8.71% | 8.64% |
| Q2 2024 | 10.45% | 8.75% | 8.69% |
| Q3 2024 | 10.45% | 9.31% | 9.25% |
| Q4 2024 | 10.57% | 9.59% | 9.53% |
| Q1 2025 | 10.90% | 9.85% | 9.80% |
| Q2 2025 | 10.98% | 10.03% | 9.98% |
| Q3 2025 | 11.43% | 11.03% | 10.98% |
| Q4 2025 | 11.82% | 11.23% | 11.19% |
| Q1 2026 | 12.03% | 11.30% | 11.26% |
| Q2 2026 | 12.04% | 11.40% | 11.37% |
State Bank of Southern Utah regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Southern Utah, 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 Southern Utah profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17964) · FFIEC NIC profile (RSSD 656470)