Story Bank dba Story Financial Partners: 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%.
Compared with Q1 2026, Retained earnings rose 5.8% in Q2 2026 to $36.3M, the biggest move on this page. Story Bank dba Story Financial Partners has the 2nd lowest CET1 ratio of the 20 banks headquartered in Mississippi, at 12.23% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Story Bank dba Story Financial Partners sits 1.25 points lower, at 12.23% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.23% |
| Tier 1 risk-based capital ratio | 12.23% |
| Total risk-based capital ratio | 13.24% |
| Tier 1 leverage ratio | 10.81% |
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 | $105.1M |
| Tier 1 capital | $105.1M |
| Total risk-based capital | $113.7M |
| Total equity capital | $106.1M |
| Risk-weighted assets | $859.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.51% |
| Tangible equity to tangible assets | 10.39% |
| Equity capital to average assets | 10.90% |
| Internal capital growth rate | 7.66% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.8M |
| Common stock surplus | $68.3M |
| Retained earnings | $36.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$306K |
| 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 | 9.92% | 9.92% | 11.14% | 8.84% | $746.3M |
| Q4 2023 | 11.99% | 11.99% | 13.18% | 10.61% | $740.7M |
| Q1 2024 | 12.11% | 12.11% | 13.27% | 10.65% | $742.3M |
| Q2 2024 | 12.08% | 12.08% | 13.21% | 10.62% | $759.8M |
| Q3 2024 | 12.60% | 12.60% | 13.75% | 10.90% | $748.9M |
| Q4 2024 | 12.07% | 12.07% | 13.18% | 10.93% | $786.8M |
| Q1 2025 | 12.52% | 12.52% | 13.65% | 10.91% | $774.3M |
| Q2 2025 | 12.42% | 12.42% | 13.51% | 10.95% | $796.0M |
| Q3 2025 | 12.66% | 12.66% | 13.74% | 10.98% | $799.1M |
| Q4 2025 | 12.08% | 12.08% | 13.13% | 10.48% | $832.7M |
| Q1 2026 | 12.26% | 12.26% | 13.29% | 10.73% | $839.3M |
| Q2 2026 | 12.23% | 12.23% | 13.24% | 10.81% | $859.0M |
Story Bank dba Story Financial Partners regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Story Bank dba Story Financial Partners, 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 Story Bank dba Story Financial Partners profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57069) · FFIEC NIC profile (RSSD 2948058)