Stone 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%.
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.
Retained earnings rose 5.2% from Q1 2026 to Q2 2026, ending at $38.5M against $36.6M. It was the largest change among the key lines on this page. Stone Bank has the 4th lowest CET1 ratio of the 37 banks headquartered in Arkansas, at 10.40% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Stone Bank sits 4.68 points lower, at 10.40% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.40% |
| Tier 1 risk-based capital ratio | 10.40% |
| Total risk-based capital ratio | 11.65% |
| Tier 1 leverage ratio | 8.37% |
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 | $79.5M |
| Tier 1 capital | $79.5M |
| Total risk-based capital | $89.0M |
| Total equity capital | $74.9M |
| Risk-weighted assets | $764.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.88% |
| Tangible equity to tangible assets | 7.73% |
| Equity capital to average assets | 7.88% |
| Internal capital growth rate | 10.42% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $13K |
| Common stock surplus | $42.5M |
| Retained earnings | $38.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.1M |
| 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 | 10.85% | 10.85% | 12.11% | 8.68% | $599.0M |
| Q4 2023 | 10.93% | 10.93% | 12.19% | 8.79% | $600.2M |
| Q1 2024 | 10.48% | 10.48% | 11.73% | 8.80% | $635.2M |
| Q2 2024 | 10.35% | 10.35% | 11.60% | 8.47% | $651.3M |
| Q3 2024 | 10.50% | 10.50% | 11.75% | 8.37% | $654.8M |
| Q4 2024 | 10.70% | 10.70% | 11.96% | 8.58% | $657.1M |
| Q1 2025 | 10.84% | 10.84% | 12.09% | 8.63% | $661.4M |
| Q2 2025 | 10.35% | 10.35% | 11.61% | 8.35% | $699.9M |
| Q3 2025 | 10.18% | 10.18% | 11.43% | 8.38% | $733.5M |
| Q4 2025 | 10.60% | 10.60% | 11.86% | 8.25% | $708.5M |
| Q1 2026 | 10.62% | 10.62% | 11.87% | 8.66% | $730.0M |
| Q2 2026 | 10.40% | 10.40% | 11.65% | 8.37% | $764.1M |
Stone Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Stone 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 Stone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17431) · FFIEC NIC profile (RSSD 913146)