Sunstate 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.
The standout move of Q2 2026 was in Retained earnings: 7.9% higher than in Q1 2026, at $24.8M. Sunstate Bank ranks 30th of 56 Florida banks on CET1 ratio, in the lower half at 14.01% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Sunstate Bank sits 1.07 points lower, at 14.01% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.01% |
| Tier 1 risk-based capital ratio | 14.01% |
| Total risk-based capital ratio | 14.67% |
| Tier 1 leverage ratio | 11.45% |
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 | $64.8M |
| Tier 1 capital | $64.8M |
| Total risk-based capital | $67.9M |
| Total equity capital | $73.2M |
| Risk-weighted assets | $462.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.62% |
| Tangible equity to tangible assets | 11.36% |
| Equity capital to average assets | 12.76% |
| Internal capital growth rate | 10.17% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $15.3M |
| Common stock surplus | $32.9M |
| Retained earnings | $24.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $218K |
| 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 | 14.20% | 14.20% | 14.83% | 11.55% | $388.7M |
| Q4 2023 | 13.92% | 13.92% | 14.59% | 11.93% | $404.5M |
| Q1 2024 | 14.39% | 14.39% | 15.07% | 11.81% | $396.8M |
| Q2 2024 | 13.45% | 13.45% | 14.08% | 11.35% | $430.9M |
| Q3 2024 | 14.20% | 14.20% | 14.85% | 11.21% | $413.9M |
| Q4 2024 | 14.62% | 14.62% | 15.37% | 11.01% | $401.9M |
| Q1 2025 | 14.31% | 14.31% | 15.16% | 10.99% | $412.5M |
| Q2 2025 | 12.90% | 12.90% | 13.71% | 11.37% | $466.2M |
| Q3 2025 | 13.43% | 13.43% | 14.26% | 10.95% | $455.1M |
| Q4 2025 | 13.21% | 13.21% | 14.02% | 11.02% | $468.6M |
| Q1 2026 | 13.43% | 13.43% | 14.24% | 11.10% | $468.9M |
| Q2 2026 | 14.01% | 14.01% | 14.67% | 11.45% | $462.5M |
Sunstate Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Sunstate 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 Sunstate Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34643) · FFIEC NIC profile (RSSD 2791085)