State Bank & Trust Co.: 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%.
Accumulated other comprehensive income climbed 8.1% in Q2 2026, from -$2.5M to -$2.3M. It was the largest change from Q1 2026 among the key lines here. Within Iowa, State Bank & Trust Co. is 19th of 114 on CET1 ratio, 17.50% as of Q2 2026, above the middle of the field. State Bank & Trust Co. reported 17.50% on CET1 ratio for Q2 2026, 2.43 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 | 17.50% |
| Tier 1 risk-based capital ratio | 17.50% |
| Total risk-based capital ratio | 18.72% |
| Tier 1 leverage ratio | 11.03% |
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 | $21.8M |
| Tier 1 capital | $21.8M |
| Total risk-based capital | $23.3M |
| Total equity capital | $19.5M |
| Risk-weighted assets | $124.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.86% |
| Tangible equity to tangible assets | 9.86% |
| Equity capital to average assets | 9.86% |
| Internal capital growth rate | 2.70% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $4.0M |
| Retained earnings | $16.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.3M |
| 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 | 15.05% | 15.05% | 16.13% | 9.54% | $137.6M |
| Q4 2023 | 14.87% | 14.87% | 16.03% | 9.65% | $139.0M |
| Q1 2024 | 14.83% | 14.83% | 16.01% | 9.75% | $139.1M |
| Q2 2024 | 14.84% | 14.84% | 16.03% | 10.09% | $139.4M |
| Q3 2024 | 14.29% | 14.29% | 15.54% | 9.94% | $142.7M |
| Q4 2024 | 14.79% | 14.79% | 16.00% | 10.24% | $140.2M |
| Q1 2025 | 14.65% | 14.65% | 15.83% | 10.09% | $142.8M |
| Q2 2025 | 15.00% | 15.00% | 16.21% | 10.64% | $140.0M |
| Q3 2025 | 15.66% | 15.66% | 16.90% | 10.90% | $135.3M |
| Q4 2025 | 15.90% | 15.90% | 17.12% | 11.09% | $135.2M |
| Q1 2026 | 16.69% | 16.69% | 17.90% | 10.94% | $129.7M |
| Q2 2026 | 17.50% | 17.50% | 18.72% | 11.03% | $124.4M |
State Bank & Trust Co. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank & Trust Co., 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 & Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15651) · FFIEC NIC profile (RSSD 229342)