Tompkins 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%.
The biggest quarter-over-quarter change on this page was a small one: Retained earnings edged up 1.9% between Q1 2026 and Q2 2026, to $23.9M. Within Illinois, Tompkins State Bank is 102nd of 198 on CET1 ratio, 14.96% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio; Tompkins State Bank reported 14.96% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.96% |
| Tier 1 risk-based capital ratio | 14.96% |
| Total risk-based capital ratio | 15.74% |
| Tier 1 leverage ratio | 9.82% |
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 | $29.5M |
| Tier 1 capital | $29.5M |
| Total risk-based capital | $31.1M |
| Total equity capital | $28.6M |
| Risk-weighted assets | $197.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.42% |
| Tangible equity to tangible assets | 8.33% |
| Equity capital to average assets | 9.39% |
| Internal capital growth rate | 6.12% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $800K |
| Common stock surplus | $8.4M |
| Retained earnings | $23.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.6M |
| 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 | 13.77% | 13.77% | 14.52% | 9.13% | $186.8M |
| Q4 2023 | 14.02% | 14.02% | 14.71% | 8.97% | $186.1M |
| Q1 2024 | 12.64% | 12.64% | 13.31% | 8.81% | $205.5M |
| Q2 2024 | 14.14% | 14.14% | 14.88% | 9.09% | $187.3M |
| Q3 2024 | 13.32% | 13.32% | 13.74% | 9.43% | $204.0M |
| Q4 2024 | 14.70% | 14.70% | 15.41% | 9.47% | $185.5M |
| Q1 2025 | 13.34% | 13.34% | 14.03% | 9.36% | $205.5M |
| Q2 2025 | 14.86% | 14.86% | 15.62% | 9.64% | $187.4M |
| Q3 2025 | 13.57% | 13.57% | 14.26% | 9.62% | $209.8M |
| Q4 2025 | 14.57% | 14.57% | 15.33% | 9.57% | $199.1M |
| Q1 2026 | 14.86% | 14.86% | 15.67% | 9.59% | $195.9M |
| Q2 2026 | 14.96% | 14.96% | 15.74% | 9.82% | $197.5M |
Tompkins State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Tompkins 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 Tompkins State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10849) · FFIEC NIC profile (RSSD 609832)