The Stockgrowers State 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%.
The standout move of Q2 2026 was in Common stock surplus: 36.4% higher than in Q1 2026, at $3.8M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.58% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $14.7M |
| Tier 1 capital | $14.7M |
| Total risk-based capital | — |
| Total equity capital | $14.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.53% |
| Tangible equity to tangible assets | 11.02% |
| Equity capital to average assets | 11.59% |
| Internal capital growth rate | -42.86% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $65K |
| Common stock surplus | $3.8M |
| Retained earnings | $11.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$639K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 11.75% | 10.04% | 9.40% |
| Q4 2023 | 11.76% | 10.77% | 10.17% |
| Q1 2024 | 11.35% | 10.71% | 10.11% |
| Q2 2024 | 11.27% | 10.45% | 9.87% |
| Q3 2024 | 11.02% | 11.05% | 10.49% |
| Q4 2024 | 10.84% | 10.67% | 10.11% |
| Q1 2025 | 11.31% | 11.07% | 10.50% |
| Q2 2025 | 10.96% | 11.05% | 10.50% |
| Q3 2025 | 11.77% | 11.74% | 11.20% |
| Q4 2025 | 11.86% | 11.51% | 11.00% |
| Q1 2026 | 12.20% | 12.24% | 11.71% |
| Q2 2026 | 11.58% | 11.53% | 11.02% |
The Stockgrowers State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Stockgrowers State 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 The Stockgrowers State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18165) · FFIEC NIC profile (RSSD 265452)