State Bank & Trust Company: 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 Risk-weighted assets: 11.5% higher than in Q1 2026, at $119.2M. State Bank & Trust Company ranks 33rd of 46 Louisiana banks on CET1 ratio, in the lower half at 14.35% (Q2 2026). State Bank & Trust Company reported 14.35% on CET1 ratio for Q2 2026, 0.72 points below 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 | 14.35% |
| Tier 1 risk-based capital ratio | 14.35% |
| Total risk-based capital ratio | 15.59% |
| Tier 1 leverage ratio | 10.63% |
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 | $17.1M |
| Tier 1 capital | $17.1M |
| Total risk-based capital | $18.6M |
| Total equity capital | $13.8M |
| Risk-weighted assets | $119.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.33% |
| Tangible equity to tangible assets | 8.33% |
| Equity capital to average assets | 8.55% |
| Internal capital growth rate | 7.57% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.1M |
| Common stock surplus | $8.1M |
| Retained earnings | $7.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.4M |
| 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 | 17.41% | 17.41% | 18.67% | 10.72% | $90.5M |
| Q4 2023 | 16.99% | 16.99% | 18.25% | 11.21% | $94.3M |
| Q1 2024 | 17.02% | 17.02% | 18.27% | 11.22% | $93.6M |
| Q2 2024 | 17.13% | 17.13% | 18.39% | 11.30% | $94.9M |
| Q3 2024 | 17.16% | 17.16% | 18.42% | 11.32% | $95.9M |
| Q4 2024 | 17.24% | 17.24% | 18.49% | 11.46% | $98.0M |
| Q1 2025 | 15.69% | 15.69% | 16.94% | 10.47% | $98.9M |
| Q2 2025 | 15.21% | 15.21% | 16.47% | 10.66% | $104.2M |
| Q3 2025 | 16.07% | 16.07% | 17.32% | 10.61% | $99.9M |
| Q4 2025 | 15.44% | 15.44% | 16.69% | 10.54% | $105.7M |
| Q1 2026 | 15.76% | 15.76% | 17.02% | 11.00% | $106.9M |
| Q2 2026 | 14.35% | 14.35% | 15.59% | 10.63% | $119.2M |
State Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank & Trust Company, 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 Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17169) · FFIEC NIC profile (RSSD 485139)