Studio 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 climbed 18.7% in Q2 2026, from $15.1M to $17.9M. It was the largest change from Q1 2026 among the key lines here. Studio Bank ranks 59th of 71 Tennessee banks on CET1 ratio, in the lower half at 11.45% (Q2 2026). Studio Bank reported 11.45% on CET1 ratio for Q2 2026, 2.04 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.45% |
| Tier 1 risk-based capital ratio | 11.45% |
| Total risk-based capital ratio | 12.63% |
| Tier 1 leverage ratio | 9.49% |
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 | $129.9M |
| Tier 1 capital | $129.9M |
| Total risk-based capital | $143.3M |
| Total equity capital | $126.5M |
| Risk-weighted assets | $1.13B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.41% |
| Tangible equity to tangible assets | 9.41% |
| Equity capital to average assets | 9.24% |
| Internal capital growth rate | 9.26% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $112.0M |
| Retained earnings | $17.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.4M |
| 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% | 13.41% | 10.38% | $800.6M |
| Q4 2023 | 11.68% | 11.68% | 12.91% | 9.75% | $805.0M |
| Q1 2024 | 11.41% | 11.41% | 12.61% | 9.62% | $831.8M |
| Q2 2024 | 11.48% | 11.48% | 12.64% | 9.77% | $845.8M |
| Q3 2024 | 11.87% | 11.87% | 13.10% | 9.70% | $824.5M |
| Q4 2024 | 11.89% | 11.89% | 13.10% | 9.65% | $844.4M |
| Q1 2025 | 11.84% | 11.84% | 13.05% | 9.80% | $864.6M |
| Q2 2025 | 11.59% | 11.59% | 12.77% | 9.70% | $896.0M |
| Q3 2025 | 12.50% | 12.50% | 13.67% | 10.76% | $975.5M |
| Q4 2025 | 11.95% | 11.95% | 13.10% | 9.84% | $1.05B |
| Q1 2026 | 11.48% | 11.48% | 12.65% | 9.82% | $1.11B |
| Q2 2026 | 11.45% | 11.45% | 12.63% | 9.49% | $1.13B |
Studio Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Studio 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 Studio Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59112) · FFIEC NIC profile (RSSD 5205819)