Sundance 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%.
Accumulated other comprehensive income dropped 17.9% in Q2 2026, from -$2.1M to -$2.5M. It was the largest change from Q1 2026 among the key lines here. Sundance State Bank ranks 9th of 15 Wyoming banks on CET1 ratio, in the lower half at 15.07% (Q2 2026). At 15.07%, Sundance State Bank's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.07% |
| Tier 1 risk-based capital ratio | 15.07% |
| Total risk-based capital ratio | 16.32% |
| Tier 1 leverage ratio | 11.90% |
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 | $33.3M |
| Tier 1 capital | $33.3M |
| Total risk-based capital | $36.1M |
| Total equity capital | $30.8M |
| Risk-weighted assets | $220.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.60% |
| Tangible equity to tangible assets | 10.60% |
| Equity capital to average assets | 11.02% |
| Internal capital growth rate | 16.39% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $3.6M |
| Retained earnings | $29.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.5M |
| 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 | 15.66% | 15.66% | 16.91% | 11.91% | $181.3M |
| Q4 2023 | 15.58% | 15.58% | 16.84% | 11.15% | $178.6M |
| Q1 2024 | 16.13% | 16.13% | 17.38% | 11.29% | $177.3M |
| Q2 2024 | 15.90% | 15.90% | 17.15% | 11.99% | $185.4M |
| Q3 2024 | 16.46% | 16.46% | 17.71% | 12.38% | $184.0M |
| Q4 2024 | 15.80% | 15.80% | 17.05% | 11.13% | $186.8M |
| Q1 2025 | 16.03% | 16.03% | 17.28% | 11.42% | $190.5M |
| Q2 2025 | 15.70% | 15.70% | 16.96% | 11.96% | $201.8M |
| Q3 2025 | 16.59% | 16.59% | 17.84% | 12.29% | $197.4M |
| Q4 2025 | 15.55% | 15.55% | 16.81% | 10.63% | $198.3M |
| Q1 2026 | 15.39% | 15.39% | 16.64% | 11.24% | $208.4M |
| Q2 2026 | 15.07% | 15.07% | 16.32% | 11.90% | $220.9M |
Sundance State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Sundance 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 Sundance State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1169) · FFIEC NIC profile (RSSD 94755)