Summit State 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%.
The largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which fell 2.7% to $804.0M. Summit State Bank ranks 57th of 74 California banks on CET1 ratio, in the lower half at 13.10% (Q2 2026). Summit State Bank reported 13.10% on CET1 ratio for Q2 2026, 1.97 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.10% |
| Tier 1 risk-based capital ratio | 13.10% |
| Total risk-based capital ratio | 14.80% |
| Tier 1 leverage ratio | 10.84% |
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 | $105.4M |
| Tier 1 capital | $105.4M |
| Total risk-based capital | $119.0M |
| Total equity capital | $101.4M |
| Risk-weighted assets | $804.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.56% |
| Tangible equity to tangible assets | 10.31% |
| Equity capital to average assets | 10.40% |
| Internal capital growth rate | -5.09% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $38.0M |
| Common stock surplus | $0 |
| Retained earnings | $70.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.7M |
| Subordinated notes and debentures | $6.0M |
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 | 9.65% | 9.65% | 11.49% | 8.47% | $1.01B |
| Q4 2023 | 9.90% | 9.90% | 11.75% | 8.85% | $996.6M |
| Q1 2024 | 10.37% | 10.37% | 12.24% | 9.21% | $959.1M |
| Q2 2024 | 10.22% | 10.22% | 12.08% | 9.31% | $975.8M |
| Q3 2024 | 10.39% | 10.39% | 12.13% | 9.18% | $964.7M |
| Q4 2024 | 10.14% | 10.14% | 11.89% | 8.87% | $958.0M |
| Q1 2025 | 10.67% | 10.67% | 12.43% | 9.45% | $935.1M |
| Q2 2025 | 11.17% | 11.17% | 12.94% | 9.84% | $919.3M |
| Q3 2025 | 11.55% | 11.55% | 13.20% | 10.24% | $897.1M |
| Q4 2025 | 12.03% | 12.03% | 13.69% | 10.37% | $872.0M |
| Q1 2026 | 12.91% | 12.91% | 14.60% | 10.67% | $826.0M |
| Q2 2026 | 13.10% | 13.10% | 14.80% | 10.84% | $804.0M |
Summit State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Summit State 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 Summit State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32203) · FFIEC NIC profile (RSSD 561574)