Tennessee 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 climbed 7.8% in Q2 2026, from -$6.3M to -$5.8M. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Tennessee State Bank is 47th of 71 on CET1 ratio, 12.63% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Tennessee State Bank sits 2.44 points lower, at 12.63% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.63% |
| Tier 1 risk-based capital ratio | 12.63% |
| Total risk-based capital ratio | 13.85% |
| Tier 1 leverage ratio | 9.31% |
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 | $91.0M |
| Tier 1 capital | $91.0M |
| Total risk-based capital | $99.8M |
| Total equity capital | $85.2M |
| Risk-weighted assets | $720.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.59% |
| Tangible equity to tangible assets | 8.59% |
| Equity capital to average assets | 8.71% |
| Internal capital growth rate | 2.62% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $22.9M |
| Retained earnings | $68.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.8M |
| 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 | 12.99% | 12.99% | 14.24% | 8.21% | $646.5M |
| Q4 2023 | 12.38% | 12.38% | 13.56% | 8.22% | $683.6M |
| Q1 2024 | 12.44% | 12.44% | 13.66% | 8.38% | $683.1M |
| Q2 2024 | 12.44% | 12.44% | 13.63% | 8.52% | $690.7M |
| Q3 2024 | 12.68% | 12.68% | 13.86% | 8.78% | $684.0M |
| Q4 2024 | 12.62% | 12.62% | 13.80% | 9.00% | $686.5M |
| Q1 2025 | 12.66% | 12.66% | 13.85% | 9.12% | $686.9M |
| Q2 2025 | 12.94% | 12.94% | 14.16% | 9.13% | $680.3M |
| Q3 2025 | 13.12% | 13.12% | 14.35% | 9.02% | $676.9M |
| Q4 2025 | 12.41% | 12.41% | 13.56% | 9.05% | $723.2M |
| Q1 2026 | 12.93% | 12.93% | 14.16% | 9.26% | $699.5M |
| Q2 2026 | 12.63% | 12.63% | 13.85% | 9.31% | $720.5M |
Tennessee State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Tennessee 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 Tennessee State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20720) · FFIEC NIC profile (RSSD 479839)