Sundown 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%.
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.
Equity capital to average assets fell 0.70 percentage points from Q1 2026 to Q2 2026, ending at 11.63% against 12.33%. It was the largest change among the key lines on this page.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.63% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $36.5M |
| Tier 1 capital | $36.5M |
| Total risk-based capital | — |
| Total equity capital | $36.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.85% |
| Tangible equity to tangible assets | 11.85% |
| Equity capital to average assets | 11.63% |
| Internal capital growth rate | -22.35% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $7.6M |
| Retained earnings | $28.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 10.32% | 10.32% | 11.08% | 9.56% | $243.7M |
| Q4 2023 | 10.43% | 10.43% | 11.20% | 9.17% | $241.7M |
| Q1 2024 | 11.52% | 11.52% | 12.34% | 9.49% | $227.9M |
| Q2 2024 | 11.54% | 11.54% | 12.33% | 10.57% | $237.3M |
| Q3 2024 | 12.15% | 12.15% | 12.96% | 10.79% | $235.1M |
| Q4 2024 | 11.88% | 11.88% | 12.69% | 10.55% | $239.8M |
| Q1 2025 | 12.96% | 12.96% | 13.81% | 10.90% | $229.5M |
| Q2 2025 | 13.09% | 13.09% | 13.92% | 11.21% | $238.1M |
| Q3 2025 | 13.87% | 13.87% | 14.71% | 11.32% | $236.2M |
| Q4 2025 | 13.66% | 13.66% | 14.48% | 10.93% | $245.4M |
| Q1 2026 | 16.26% | 16.26% | 17.24% | 12.33% | $237.5M |
| Q2 2026 | — | — | — | 11.63% | — |
Sundown State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Sundown 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 Sundown State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18780) · FFIEC NIC profile (RSSD 412667)