Stock Exchange Bank: 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%.
Equity capital to total assets rose 0.57 percentage points from Q1 2026 to Q2 2026, ending at 8.59% against 8.02%. It was the largest change among the key lines on this page. Within Kansas, Stock Exchange Bank is 47th of 85 on CET1 ratio, 14.06% as of Q2 2026, below the middle of the field. Stock Exchange Bank reported 14.06% on CET1 ratio for Q2 2026, 5.44 points below the 19.50% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.06% |
| Tier 1 risk-based capital ratio | 14.06% |
| Total risk-based capital ratio | 15.31% |
| Tier 1 leverage ratio | 9.01% |
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 | $8.3M |
| Tier 1 capital | $8.3M |
| Total risk-based capital | $9.1M |
| Total equity capital | $7.8M |
| Risk-weighted assets | $59.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.59% |
| Tangible equity to tangible assets | 8.59% |
| Equity capital to average assets | 8.38% |
| Internal capital growth rate | 10.60% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $120K |
| Common stock surplus | $1.1M |
| Retained earnings | $7.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$580K |
| 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 | 12.28% | 12.28% | 13.53% | 8.26% | $53.5M |
| Q4 2023 | 11.95% | 11.95% | 13.20% | 8.08% | $55.9M |
| Q1 2024 | 12.61% | 12.61% | 13.86% | 8.38% | $54.1M |
| Q2 2024 | 12.62% | 12.62% | 13.88% | 8.30% | $55.0M |
| Q3 2024 | 13.24% | 13.24% | 14.50% | 8.43% | $53.7M |
| Q4 2024 | 12.78% | 12.78% | 14.03% | 8.39% | $56.4M |
| Q1 2025 | 13.57% | 13.57% | 14.83% | 8.44% | $54.3M |
| Q2 2025 | 13.58% | 13.58% | 14.83% | 8.63% | $55.4M |
| Q3 2025 | 13.49% | 13.49% | 14.75% | 8.71% | $57.2M |
| Q4 2025 | 13.34% | 13.34% | 14.60% | 8.72% | $58.9M |
| Q1 2026 | 13.53% | 13.53% | 14.78% | 8.82% | $60.1M |
| Q2 2026 | 14.06% | 14.06% | 15.31% | 9.01% | $59.3M |
Stock Exchange Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Stock Exchange Bank, 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 Stock Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15784) · FFIEC NIC profile (RSSD 671053)