Sunstate Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.67% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 6.67% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 14.01% +7.51 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $64.8M | 64,791 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $462.5M | 462,474 | RCOAA223 |
| Recomputed ratio | 14.01% | numerator / denominator | |
| Filed ratio | 14.01% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.51 pp | $34.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 14.01% +6.01 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $64.8M | 64,791 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $462.5M | 462,474 | RCOAA223 |
| Recomputed ratio | 14.01% | numerator / denominator | |
| Filed ratio | 14.01% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +6.01 pp | $27.8M | capital that could be lost first |
Total risk-based capital ratio 14.67% +4.67 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $67.9M | 67,862 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $462.5M | 462,474 | RCOAA223 |
| Recomputed ratio | 14.67% | numerator / denominator | |
| Filed ratio | 14.67% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.67 pp | $21.6M | capital that could be lost first |
Tier 1 leverage ratio 11.45% +6.45 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $64.8M | 64,791 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $565.7M | 565,731 | RCOAA224 |
| Recomputed ratio | 11.45% | numerator / denominator | |
| Filed ratio | 11.45% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.45 pp | $36.5M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 48,199 | 48,199 | 48,199 | 48,199 | 48,199 | 48,199 | RCOAP742 |
| Retained earnings | 24,799 | 22,980 | 21,902 | 21,126 | 20,161 | 19,048 | RCOAKW00 |
| Accumulated other comprehensive income | 218 | 332 | 928 | 894 | 758 | 457 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 73,216 | 71,511 | 71,029 | 70,219 | 69,118 | 67,704 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (8,425) | (8,539) | (9,135) | (9,101) | (8,965) | (8,664) | P859 - P840 |
| Common equity Tier 1 capital | 64,791 | 62,972 | 61,894 | 61,118 | 60,153 | 59,040 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 64,791 | 62,972 | 61,894 | 61,118 | 60,153 | 59,040 | RCOA8274 |
| Tier 2 capital | 3,071 | 3,790 | 3,788 | 3,787 | 3,756 | 3,484 | RCOA5311 |
| Allowance includable in Tier 2 capital | 3,071 | 3,790 | 3,788 | 3,787 | 3,756 | 3,484 | RCOA5310 |
| Total capital | 67,862 | 66,762 | 65,682 | 64,905 | 63,909 | 62,524 | RCOA3792 |
| Total risk-weighted assets | 462,474 | 468,877 | 468,644 | 455,132 | 466,196 | 412,484 | RCOAA223 |
| Average total assets for the leverage ratio | 565,731 | 567,213 | 561,724 | 558,361 | 529,008 | 537,187 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $57.8M | $1.3M | 2.32% | 0.29% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $78.5M | $77.9M | 99.26% | 16.84% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $79.9M | $96.4M | 120.57% | 20.84% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $132.4M | $67.7M | 51.17% | 14.65% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $209.5M | $189.9M | 90.64% | 41.06% | RC-R Part II, item 4.d, 5.d |
| All other assets | $16.5M | $17.9M | 108.91% | 3.88% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $9.7M | $9.7M | 100.00% | 2.09% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $1.6M | NA | 0.34% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $460.9M | does not tie to item 31 ($462.5M) |
|---|---|---|
| Risk-weighted assets before deductions | $462.5M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $462.5M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 14.01% | 14.01% | 14.67% | 11.45% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 13.43% | 13.43% | 14.24% | 11.10% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 13.21% | 13.21% | 14.02% | 11.02% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 13.43% | 13.43% | 14.26% | 10.95% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 12.90% | 12.90% | 13.71% | 11.37% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 14.31% | 14.31% | 15.16% | 10.99% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 14.62% | 14.62% | 15.37% | 11.01% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 14.20% | 14.20% | 14.85% | 11.21% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 13.45% | 13.45% | 14.08% | 11.35% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 14.39% | 14.39% | 15.07% | 11.81% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 13.92% | 13.92% | 14.59% | 11.93% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 14.20% | 14.20% | 14.83% | 11.55% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Sunstate Bank (this bank) | Risk-based | 14.01% | 14.01% | 14.67% | 11.45% | |
| First National Bank & Trust Company of McAlester | $580.4M | CBLR | NA | NA | NA | 10.89% |
| Bay State Savings Bank | $580.3M | Risk-based | 11.24% | 11.24% | 12.26% | 8.82% |
| Salem Co-Operative Bank | $580.0M | Risk-based | 18.04% | 18.04% | 18.90% | 11.89% |
| Citizens State Bank | $581.0M | CBLR | NA | NA | NA | 8.58% |
| Merit Bank | $581.6M | Risk-based | 12.23% | 12.23% | 13.16% | 9.70% |
| FNBC Bank and Trust | $581.6M | Risk-based | 17.63% | 17.63% | 18.81% | 10.02% |
| The Cottonport Bank | $581.6M | CBLR | NA | NA | NA | 13.94% |
| The Peoples Bank | $581.8M | Risk-based | 20.58% | 20.58% | 21.72% | 10.25% |
| Southtrust Bank, N.A. | $578.8M | Risk-based | 21.40% | 21.40% | 22.65% | 12.50% |
| Bank of the Valley | $581.9M | Risk-based | 11.56% | 11.56% | 12.81% | 9.87% |
| Peer 25th percentile | 11.89% | 11.89% | 12.98% | 9.75% | ||
| Peer median | 17.63% | 17.63% | 18.81% | 10.14% | ||
| Peer 75th percentile | 19.31% | 19.31% | 20.31% | 11.64% | ||
| This bank's percentile | 43 | 43 | 43 | 70 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/2791085/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.