State Bank of Whittington: 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: 9.6% higher than in Q1 2026, at -$2.0M. State Bank of Whittington ranks 85th of 198 Illinois banks on CET1 ratio, in the upper half at 15.98% (Q2 2026). State Bank of Whittington reported 15.98% on CET1 ratio for Q2 2026, 0.90 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.98% |
| Tier 1 risk-based capital ratio | 15.98% |
| Total risk-based capital ratio | 17.08% |
| Tier 1 leverage ratio | 11.55% |
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 | $21.1M |
| Tier 1 capital | $21.1M |
| Total risk-based capital | $22.5M |
| Total equity capital | $19.1M |
| Risk-weighted assets | $131.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.61% |
| Tangible equity to tangible assets | 10.61% |
| Equity capital to average assets | 10.48% |
| Internal capital growth rate | 12.21% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $287K |
| Common stock surplus | $3.0M |
| Retained earnings | $17.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.0M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 16.27% | 16.27% | 17.24% | 10.23% | $111.3M |
| Q4 2023 | 14.89% | 14.89% | 15.74% | 10.13% | $122.4M |
| Q1 2024 | 14.48% | 14.48% | 15.33% | 10.11% | $124.7M |
| Q2 2024 | 14.95% | 14.95% | 15.89% | 10.37% | $124.5M |
| Q3 2024 | 16.06% | 16.06% | 17.10% | 10.39% | $116.0M |
| Q4 2024 | — | — | — | 10.63% | — |
| Q1 2025 | 15.17% | 15.17% | 16.16% | 10.75% | $126.9M |
| Q2 2025 | 15.69% | 15.69% | 16.70% | 11.06% | $125.9M |
| Q3 2025 | 15.21% | 15.21% | 16.46% | 10.87% | $127.7M |
| Q4 2025 | 15.38% | 15.38% | 16.30% | 11.35% | $132.4M |
| Q1 2026 | 15.18% | 15.18% | 16.15% | 11.45% | $135.1M |
| Q2 2026 | 15.98% | 15.98% | 17.08% | 11.55% | $131.8M |
State Bank of Whittington regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Whittington, 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 Whittington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19689) · FFIEC NIC profile (RSSD 270148)