State Bank & Trust: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 9.01% +0.01 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $37.9M | 37,905 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $420.6M | 420,619 | RCOAA224 |
| Recomputed ratio | 9.01% | numerator / denominator | |
| Filed ratio | 9.01% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.01 pp | $49K | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 1,710 | 1,710 | 1,625 | 1,625 | 1,625 | 1,625 | RCOAP742 |
| Retained earnings | 36,227 | 35,796 | 35,309 | 35,087 | 35,703 | 34,501 | RCOAKW00 |
| Accumulated other comprehensive income | (14,676) | (16,201) | (15,223) | (16,401) | (19,857) | (19,738) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 23,261 | 21,305 | 21,711 | 20,311 | 17,471 | 16,388 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 14,644 | 16,169 | 15,191 | 16,369 | 19,825 | 19,706 | P859 - P840 |
| Common equity Tier 1 capital | 37,905 | 37,474 | 36,902 | 36,680 | 37,296 | 36,094 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 37,905 | 37,474 | 36,902 | 36,680 | 37,296 | 36,094 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 420,619 | 414,141 | 399,632 | 394,460 | 401,688 | 399,057 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 9.01% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.05% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 9.23% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 9.30% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 9.28% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 9.04% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 8.72% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 8.52% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 9.15% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 9.02% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 9.12% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 8.80% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| State Bank & Trust (this bank) | CBLR | NA | NA | NA | 9.01% | |
| Bank of Frankewing | $413.1M | CBLR | NA | NA | NA | 11.25% |
| CIBC National Trust Company | $412.8M | Risk-based | 215.65% | 215.65% | 215.86% | 59.61% |
| Little Horn State Bank | $412.6M | Risk-based | 11.34% | 11.34% | 12.59% | 10.34% |
| Farmers and Merchants Bank of South Carolina | $413.6M | Risk-based | 42.67% | 42.67% | 43.42% | 16.56% |
| First Community Bank | $413.6M | Risk-based | 11.96% | 11.96% | 13.15% | 9.93% |
| The Bank of Tioga | $412.1M | Risk-based | 15.38% | 15.38% | 15.89% | 9.39% |
| Branson Bank | $414.1M | Risk-based | 11.24% | 11.24% | 12.49% | 9.20% |
| First Vision Bank of Tennessee | $414.2M | Risk-based | 17.72% | 17.72% | 18.97% | 12.40% |
| Village Bank | $411.9M | Risk-based | 12.43% | 12.43% | 13.58% | 8.98% |
| Peer 25th percentile | 11.80% | 11.80% | 13.01% | 9.39% | ||
| Peer median | 13.90% | 13.90% | 14.74% | 10.34% | ||
| Peer 75th percentile | 23.96% | 23.96% | 25.08% | 12.40% | ||
| This bank's percentile | NA | NA | NA | 11 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/386731/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.