State Nebraska Bank &TRUST: 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%.
Retained earnings climbed 20.4% in Q2 2026, from $2.6M to $3.1M. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, State Nebraska Bank &TRUST is 26th of 57 on CET1 ratio, 14.69% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio; State Nebraska Bank &TRUST reported 14.69% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.69% |
| Tier 1 risk-based capital ratio | 14.69% |
| Total risk-based capital ratio | 15.95% |
| Tier 1 leverage ratio | 10.89% |
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 | $27.1M |
| Tier 1 capital | $27.1M |
| Total risk-based capital | $29.4M |
| Total equity capital | $24.2M |
| Risk-weighted assets | $184.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.90% |
| Tangible equity to tangible assets | 9.90% |
| Equity capital to average assets | 9.71% |
| Internal capital growth rate | 8.97% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $650K |
| Common stock surplus | $23.4M |
| Retained earnings | $3.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.9M |
| 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 | 13.83% | 13.83% | 15.00% | 10.39% | $167.1M |
| Q4 2023 | 13.37% | 13.37% | 14.49% | 10.23% | $175.7M |
| Q1 2024 | 13.36% | 13.36% | 14.53% | 9.85% | $175.9M |
| Q2 2024 | 13.16% | 13.16% | 14.29% | 9.66% | $180.2M |
| Q3 2024 | 13.13% | 13.13% | 14.26% | 9.84% | $183.3M |
| Q4 2024 | 13.25% | 13.25% | 14.37% | 9.90% | $184.1M |
| Q1 2025 | 13.23% | 13.23% | 14.36% | 10.05% | $186.0M |
| Q2 2025 | 13.18% | 13.18% | 14.27% | 9.94% | $190.2M |
| Q3 2025 | 13.41% | 13.41% | 14.55% | 9.97% | $190.8M |
| Q4 2025 | 13.71% | 13.71% | 14.88% | 10.20% | $189.2M |
| Q1 2026 | 13.88% | 13.88% | 15.10% | 10.53% | $191.5M |
| Q2 2026 | 14.69% | 14.69% | 15.95% | 10.89% | $184.5M |
State Nebraska Bank &TRUST regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock State Nebraska Bank &TRUST, 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 Nebraska Bank &TRUST profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5490) · FFIEC NIC profile (RSSD 581358)