Stillman Banccorp, N.A.: 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 3.9% to $329.5M. Stillman Banccorp, N.A. ranks 64th of 198 Illinois banks on CET1 ratio, in the upper half at 18.29% (Q2 2026). Stillman Banccorp, N.A. reported 18.29% on CET1 ratio for Q2 2026, 3.21 points above the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.29% |
| Tier 1 risk-based capital ratio | 18.29% |
| Total risk-based capital ratio | 19.22% |
| Tier 1 leverage ratio | 9.20% |
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 | $60.3M |
| Tier 1 capital | $60.3M |
| Total risk-based capital | $63.3M |
| Total equity capital | $49.7M |
| Risk-weighted assets | $329.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.70% |
| Tangible equity to tangible assets | 7.70% |
| Equity capital to average assets | 7.59% |
| Internal capital growth rate | 5.33% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.7M |
| Common stock surplus | $2.7M |
| Retained earnings | $55.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.6M |
| 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 | 22.56% | 22.56% | 23.37% | 9.63% | $255.7M |
| Q4 2023 | 23.47% | 23.47% | 24.35% | 9.52% | $242.3M |
| Q1 2024 | 23.57% | 23.57% | 24.46% | 9.49% | $241.5M |
| Q2 2024 | 22.39% | 22.39% | 23.25% | 9.89% | $254.8M |
| Q3 2024 | 21.64% | 21.64% | 22.47% | 9.81% | $266.2M |
| Q4 2024 | 21.31% | 21.31% | 22.13% | 9.79% | $272.0M |
| Q1 2025 | 21.36% | 21.36% | 22.21% | 9.37% | $272.6M |
| Q2 2025 | 20.17% | 20.17% | 21.06% | 9.39% | $290.6M |
| Q3 2025 | 19.94% | 19.94% | 20.85% | 9.49% | $297.4M |
| Q4 2025 | 18.54% | 18.54% | 19.42% | 9.48% | $321.1M |
| Q1 2026 | 18.80% | 18.80% | 19.70% | 9.27% | $317.2M |
| Q2 2026 | 18.29% | 18.29% | 19.22% | 9.20% | $329.5M |
Stillman Banccorp, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Stillman Banccorp, N.A., 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 Stillman Banccorp, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9263) · FFIEC NIC profile (RSSD 407645)