State Bank of Taunton: 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 Accumulated other comprehensive income: 8.2% higher than in Q1 2026, at -$1.5M. State Bank of Taunton ranks 32nd of 161 Minnesota banks on CET1 ratio, in the upper half at 19.24% (Q2 2026). At 19.24%, State Bank of Taunton's CET1 ratio is close to the 19.57% median for banks in the < $100M asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.24% |
| Tier 1 risk-based capital ratio | 19.24% |
| Total risk-based capital ratio | 20.44% |
| Tier 1 leverage ratio | 13.39% |
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 | $6.4M |
| Tier 1 capital | $6.4M |
| Total risk-based capital | $6.8M |
| Total equity capital | $4.9M |
| Risk-weighted assets | $33.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.51% |
| Tangible equity to tangible assets | 10.51% |
| Equity capital to average assets | 10.24% |
| Internal capital growth rate | -0.25% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $5.0M |
| Retained earnings | $1.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.5M |
| 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 | 16.32% | 16.32% | 17.52% | 13.03% | $39.6M |
| Q4 2023 | 16.28% | 16.28% | 17.50% | 13.24% | $39.8M |
| Q1 2024 | 16.31% | 16.31% | 17.36% | 12.74% | $39.4M |
| Q2 2024 | 16.37% | 16.37% | 17.44% | 13.18% | $39.3M |
| Q3 2024 | 18.18% | 18.18% | 19.37% | 13.06% | $35.8M |
| Q4 2024 | 15.67% | 15.67% | 16.68% | 13.27% | $42.0M |
| Q1 2025 | 16.07% | 16.07% | 16.57% | 13.31% | $41.0M |
| Q2 2025 | 15.12% | 15.12% | 15.59% | 13.27% | $43.5M |
| Q3 2025 | 17.30% | 17.30% | 17.85% | 14.02% | $38.8M |
| Q4 2025 | 18.57% | 18.57% | 19.82% | 13.39% | $34.7M |
| Q1 2026 | 18.95% | 18.95% | 20.21% | 13.44% | $33.8M |
| Q2 2026 | 19.24% | 19.24% | 20.44% | 13.39% | $33.3M |
State Bank of Taunton regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Taunton, 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 Taunton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16906) · FFIEC NIC profile (RSSD 205458)