Tristar 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.
Compared with Q1 2026, Total equity capital rose 5.9% in Q2 2026 to $46.8M, the biggest move on this page. Tristar Bank ranks 55th of 71 Tennessee banks on CET1 ratio, in the lower half at 11.79% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Tristar Bank sits 3.29 points lower, at 11.79% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.79% |
| Tier 1 risk-based capital ratio | 11.79% |
| Total risk-based capital ratio | 12.49% |
| Tier 1 leverage ratio | 9.85% |
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 | $54.7M |
| Tier 1 capital | $54.7M |
| Total risk-based capital | $57.9M |
| Total equity capital | $46.8M |
| Risk-weighted assets | $463.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.32% |
| Tangible equity to tangible assets | 8.31% |
| Equity capital to average assets | 8.43% |
| Internal capital growth rate | 10.71% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.8M |
| Common stock surplus | $15.0M |
| Retained earnings | $36.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.9M |
| 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 | 11.32% | 11.32% | 12.27% | 9.87% | $397.4M |
| Q4 2023 | 12.04% | 12.04% | 13.02% | 10.16% | $380.7M |
| Q1 2024 | 12.24% | 12.24% | 13.19% | 10.18% | $381.2M |
| Q2 2024 | 12.04% | 12.04% | 12.95% | 10.15% | $394.1M |
| Q3 2024 | 12.08% | 12.08% | 13.03% | 10.00% | $403.1M |
| Q4 2024 | 11.93% | 11.93% | 12.85% | 9.96% | $411.4M |
| Q1 2025 | 11.95% | 11.95% | 12.83% | 10.01% | $419.4M |
| Q2 2025 | 12.08% | 12.08% | 12.93% | 10.04% | $419.6M |
| Q3 2025 | 12.38% | 12.38% | 13.23% | 10.13% | $418.1M |
| Q4 2025 | 12.12% | 12.12% | 12.89% | 9.88% | $436.2M |
| Q1 2026 | 12.02% | 12.02% | 12.79% | 9.80% | $444.9M |
| Q2 2026 | 11.79% | 11.79% | 12.49% | 9.85% | $463.6M |
Tristar Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Tristar 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 Tristar Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35417) · FFIEC NIC profile (RSSD 2871099)