Sturgis Bank & Trust Company: 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%.
Retained earnings climbed 11.2% in Q2 2026, from $19.1M to $21.2M. It was the largest change from Q1 2026 among the key lines here. Sturgis Bank & Trust Company ranks 29th of 43 Michigan banks on CET1 ratio, in the lower half at 12.11% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Sturgis Bank & Trust Company sits 1.37 points lower, at 12.11% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.11% |
| Tier 1 risk-based capital ratio | 12.11% |
| Total risk-based capital ratio | 13.34% |
| Tier 1 leverage ratio | 8.63% |
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 | $86.6M |
| Tier 1 capital | $86.6M |
| Total risk-based capital | $95.4M |
| Total equity capital | $83.8M |
| Risk-weighted assets | $715.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.15% |
| Tangible equity to tangible assets | 7.62% |
| Equity capital to average assets | 8.32% |
| Internal capital growth rate | 10.82% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.4M |
| Common stock surplus | $66.7M |
| Retained earnings | $21.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.4M |
| 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 | 11.37% | 11.37% | 12.59% | 8.22% | $653.7M |
| Q4 2023 | 11.15% | 11.15% | 12.40% | 8.05% | $656.4M |
| Q1 2024 | 10.80% | 10.80% | 12.05% | 7.64% | $655.5M |
| Q2 2024 | 10.68% | 10.68% | 11.92% | 7.66% | $669.5M |
| Q3 2024 | 11.01% | 11.01% | 12.26% | 7.71% | $661.8M |
| Q4 2024 | 11.07% | 11.07% | 12.32% | 7.89% | $672.6M |
| Q1 2025 | 11.31% | 11.31% | 12.56% | 7.92% | $666.4M |
| Q2 2025 | 11.12% | 11.12% | 12.37% | 8.00% | $687.3M |
| Q3 2025 | 11.29% | 11.29% | 12.54% | 7.85% | $695.3M |
| Q4 2025 | 11.46% | 11.46% | 12.69% | 8.11% | $701.4M |
| Q1 2026 | 11.45% | 11.45% | 12.70% | 8.05% | $712.2M |
| Q2 2026 | 12.11% | 12.11% | 13.34% | 8.63% | $715.2M |
Sturgis Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Sturgis Bank & Trust Company, 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 Sturgis Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28593) · FFIEC NIC profile (RSSD 366078)