White 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%.
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, Retained earnings rose 5.5% in Q2 2026 to $9.1M, the biggest move on this page.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.16% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $12.1M |
| Tier 1 capital | $12.1M |
| Total risk-based capital | — |
| Total equity capital | $12.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.02% |
| Tangible equity to tangible assets | 10.24% |
| Equity capital to average assets | 10.95% |
| Internal capital growth rate | 16.29% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $264K |
| Common stock surplus | $3.7M |
| Retained earnings | $9.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 10.82% | 8.40% | 7.44% |
| Q4 2023 | 10.51% | 9.05% | 8.18% |
| Q1 2024 | 10.46% | 9.07% | 8.19% |
| Q2 2024 | 10.58% | 9.29% | 8.43% |
| Q3 2024 | 10.58% | 10.41% | 9.56% |
| Q4 2024 | 10.79% | 10.00% | 9.14% |
| Q1 2025 | 10.69% | 10.40% | 9.54% |
| Q2 2025 | 11.26% | 11.14% | 10.28% |
| Q3 2025 | 11.38% | 11.71% | 10.85% |
| Q4 2025 | 11.55% | 11.40% | 10.60% |
| Q1 2026 | 11.12% | 11.22% | 10.40% |
| Q2 2026 | 11.16% | 11.02% | 10.24% |
White State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock White 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 White State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8519) · FFIEC NIC profile (RSSD 359744)