The State Bank of Toledo: 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 Equity capital to total assets: 0.88 percentage points higher than in Q1 2026, at 10.38%.
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 | 9.83% |
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 | $13.5M |
| Tier 1 capital | $13.5M |
| Total risk-based capital | — |
| Total equity capital | $14.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.38% |
| Tangible equity to tangible assets | 10.08% |
| Equity capital to average assets | 10.11% |
| Internal capital growth rate | 6.08% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $480K |
| Common stock surplus | $2.5M |
| Retained earnings | $11.0M |
| 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 | 12.54% | 12.54% | 13.80% | 10.50% | $97.6M |
| Q4 2023 | 11.23% | 11.23% | 12.48% | 10.20% | $109.5M |
| Q1 2024 | 11.41% | 11.41% | 12.66% | 9.73% | $109.2M |
| Q2 2024 | 11.64% | 11.64% | 12.90% | 9.72% | $111.3M |
| Q3 2024 | 12.25% | 12.25% | 13.51% | 9.69% | $107.5M |
| Q4 2024 | 11.81% | 11.81% | 13.07% | 9.59% | $110.9M |
| Q1 2025 | — | — | — | 10.05% | — |
| Q2 2025 | — | — | — | 10.02% | — |
| Q3 2025 | — | — | — | 9.98% | — |
| Q4 2025 | — | — | — | 9.56% | — |
| Q1 2026 | — | — | — | 9.51% | — |
| Q2 2026 | — | — | — | 9.83% | — |
The State Bank of Toledo regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The State Bank of Toledo, 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 The State Bank of Toledo profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4514) · FFIEC NIC profile (RSSD 490348)