York 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%.
Equity capital to total assets rose 0.62 percentage points from Q1 2026 to Q2 2026, ending at 15.87% against 15.25%. It was the largest change among the key lines on this page. York State Bank ranks 11th of 57 Nebraska banks on CET1 ratio, in the upper half at 18.97% (Q2 2026). York State Bank reported 18.97% on CET1 ratio for Q2 2026, 3.90 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.97% |
| Tier 1 risk-based capital ratio | 18.97% |
| Total risk-based capital ratio | 20.03% |
| Tier 1 leverage ratio | 13.92% |
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 | $27.7M |
| Tier 1 capital | $27.7M |
| Total risk-based capital | $29.2M |
| Total equity capital | $31.8M |
| Risk-weighted assets | $145.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.87% |
| Tangible equity to tangible assets | 13.67% |
| Equity capital to average assets | 15.58% |
| Internal capital growth rate | 8.45% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $250K |
| Common stock surplus | $14.0M |
| Retained earnings | $18.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.0M |
| 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 | 13.47% | 13.47% | 14.51% | 11.30% | $156.6M |
| Q4 2023 | 13.53% | 13.53% | 14.54% | 11.33% | $157.2M |
| Q1 2024 | 14.48% | 14.48% | 15.49% | 11.88% | $152.0M |
| Q2 2024 | 15.06% | 15.06% | 16.09% | 12.46% | $151.1M |
| Q3 2024 | 15.21% | 15.21% | 16.24% | 12.87% | $154.2M |
| Q4 2024 | 16.10% | 16.10% | 17.13% | 13.13% | $149.9M |
| Q1 2025 | 16.76% | 16.76% | 17.80% | 13.22% | $146.7M |
| Q2 2025 | 17.33% | 17.33% | 18.39% | 13.69% | $144.6M |
| Q3 2025 | 16.60% | 16.60% | 17.62% | 13.98% | $154.2M |
| Q4 2025 | 16.89% | 16.89% | 17.92% | 13.89% | $155.4M |
| Q1 2026 | 17.96% | 17.96% | 19.02% | 14.04% | $150.3M |
| Q2 2026 | 18.97% | 18.97% | 20.03% | 13.92% | $145.8M |
York State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock York 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 York State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16079) · FFIEC NIC profile (RSSD 731050)