State Bank of Southwest Missouri: 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 Q2 2026 was in Common stock surplus: 17.7% higher than in Q1 2026, at $4.0M. On CET1 ratio, State Bank of Southwest Missouri is 8th from the bottom among 98 Missouri banks, 10.07% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. State Bank of Southwest Missouri sits 5.00 points lower, at 10.07% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.07% |
| Tier 1 risk-based capital ratio | 10.07% |
| Total risk-based capital ratio | 10.71% |
| Tier 1 leverage ratio | 7.49% |
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 | $13.4M |
| Tier 1 capital | $13.4M |
| Total risk-based capital | $14.2M |
| Total equity capital | $13.0M |
| Risk-weighted assets | $132.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.06% |
| Tangible equity to tangible assets | 7.06% |
| Equity capital to average assets | 7.27% |
| Internal capital growth rate | -1.45% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $650K |
| Common stock surplus | $4.0M |
| Retained earnings | $8.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$400K |
| 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 | 9.88% | 9.88% | 10.66% | 6.63% | $107.1M |
| Q4 2023 | 10.19% | 10.19% | 10.96% | 6.95% | $107.4M |
| Q1 2024 | 10.05% | 10.05% | 10.81% | 6.86% | $108.2M |
| Q2 2024 | 10.03% | 10.03% | 10.74% | 7.58% | $118.3M |
| Q3 2024 | 10.10% | 10.10% | 10.80% | 7.54% | $119.4M |
| Q4 2024 | 10.58% | 10.58% | 11.29% | 7.80% | $116.8M |
| Q1 2025 | 10.48% | 10.48% | 11.18% | 7.97% | $118.3M |
| Q2 2025 | 10.46% | 10.46% | 11.16% | 7.50% | $118.5M |
| Q3 2025 | 9.89% | 9.89% | 10.56% | 7.73% | $125.4M |
| Q4 2025 | 10.16% | 10.16% | 10.82% | 7.65% | $124.8M |
| Q1 2026 | 10.40% | 10.40% | 11.09% | 7.58% | $123.2M |
| Q2 2026 | 10.07% | 10.07% | 10.71% | 7.49% | $132.8M |
State Bank of Southwest Missouri regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Southwest Missouri, 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 Southwest Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26358) · FFIEC NIC profile (RSSD 293754)