Stockmens 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%.
Tangible equity to tangible assets dropped 1.61 percentage points in Q2 2026, from 11.29% to 9.69%. It was the largest change from Q1 2026 among the key lines here. On CET1 ratio, Stockmens Bank is 2nd from the bottom among 34 Colorado banks, 11.01% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Stockmens Bank sits 4.06 points lower, at 11.01% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.01% |
| Tier 1 risk-based capital ratio | 11.01% |
| Total risk-based capital ratio | 12.27% |
| 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 | $62.6M |
| Tier 1 capital | $62.6M |
| Total risk-based capital | $69.8M |
| Total equity capital | $69.0M |
| Risk-weighted assets | $568.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.60% |
| Tangible equity to tangible assets | 9.69% |
| Equity capital to average assets | 11.57% |
| Internal capital growth rate | 5.00% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $175K |
| Common stock surplus | $23.2M |
| Retained earnings | $45.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$232K |
| 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 | 11.10% | 11.10% | 12.35% | 9.95% | $461.1M |
| Q4 2023 | 11.87% | 11.87% | 13.12% | 9.89% | $442.9M |
| Q1 2024 | 12.34% | 12.34% | 13.59% | 9.93% | $439.8M |
| Q2 2024 | 12.41% | 12.41% | 13.67% | 10.45% | $443.6M |
| Q3 2024 | 12.70% | 12.70% | 13.96% | 10.89% | $446.0M |
| Q4 2024 | 12.92% | 12.92% | 14.18% | 10.97% | $452.1M |
| Q1 2025 | 13.24% | 13.24% | 14.49% | 11.35% | $455.2M |
| Q2 2025 | 13.05% | 13.05% | 14.31% | 11.26% | $467.3M |
| Q3 2025 | 12.93% | 12.93% | 14.18% | 11.25% | $487.2M |
| Q4 2025 | 12.99% | 12.99% | 14.25% | 11.34% | $499.3M |
| Q1 2026 | 13.30% | 13.30% | 14.55% | 11.59% | $503.5M |
| Q2 2026 | 11.01% | 11.01% | 12.27% | 10.63% | $568.9M |
Stockmens Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Stockmens 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 Stockmens Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8321) · FFIEC NIC profile (RSSD 982553)