State Bank of the Lakes, N.A.: 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 7.4% to -$12.8M. State Bank of the Lakes, N.A. has the 19th lowest CET1 ratio of the 198 banks headquartered in Illinois, at 10.75% as of Q2 2026. State Bank of the Lakes, N.A. reported 10.75% on CET1 ratio for Q2 2026, 2.73 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.75% |
| Tier 1 risk-based capital ratio | 10.75% |
| Total risk-based capital ratio | 11.37% |
| Tier 1 leverage ratio | 9.05% |
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 | $242.4M |
| Tier 1 capital | $242.4M |
| Total risk-based capital | $256.4M |
| Total equity capital | $285.3M |
| Risk-weighted assets | $2.25B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.15% |
| Tangible equity to tangible assets | 8.31% |
| Equity capital to average assets | 10.43% |
| Internal capital growth rate | 13.34% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $900K |
| Common stock surplus | $110.2M |
| Retained earnings | $187.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.8M |
| 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 | 10.99% | 10.99% | 11.41% | 9.50% | $1.66B |
| Q4 2023 | 11.45% | 11.45% | 11.94% | 9.90% | $1.65B |
| Q1 2024 | 10.90% | 10.90% | 11.38% | 9.82% | $1.72B |
| Q2 2024 | 10.79% | 10.79% | 11.31% | 9.72% | $1.80B |
| Q3 2024 | 11.17% | 11.17% | 11.70% | 9.86% | $1.81B |
| Q4 2024 | 11.03% | 11.03% | 11.56% | 9.80% | $1.85B |
| Q1 2025 | 11.47% | 11.47% | 12.02% | 10.15% | $1.84B |
| Q2 2025 | 10.80% | 10.80% | 11.35% | 9.85% | $1.99B |
| Q3 2025 | 11.27% | 11.27% | 11.83% | 9.71% | $1.99B |
| Q4 2025 | 11.38% | 11.38% | 12.02% | 9.85% | $2.05B |
| Q1 2026 | 10.74% | 10.74% | 11.33% | 9.37% | $2.17B |
| Q2 2026 | 10.75% | 10.75% | 11.37% | 9.05% | $2.25B |
State Bank of the Lakes, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of the Lakes, N.A., 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 the Lakes, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5744) · FFIEC NIC profile (RSSD 595430)