v3.25.2
Note 10 - REGULATORY CAPITAL REQUIREMENTS (Details)
$ in Thousands
Jun. 30, 2025
USD ($)
Dec. 31, 2024
USD ($)
Banking Regulation, Total Capital, Actual $ 1,314,474 $ 1,273,903
Total risk-based capital, actual, ratio 0.1426 0.141
Banking Regulation, Total Risk-Based Capital, Capital Adequacy, Minimum $ 737,507 $ 723,016
Banking Regulation, Total Risk-Based Capital Ratio, Capital Adequacy, Minimum 0.08 0.08
Total risk-based capital for capital adequacy purposes with capital conservation buffer, amount $ 967,978 $ 948,958
Total risk-based capital for capital adequacy purposes with capital conservation buffer, ratio 0.105 0.105
Banking Regulation, Total Risk-Based Capital, To be well capitalized under prompt corrective action provisions , Minimum $ 921,884 $ 903,770
Banking Regulation, Total Risk-Based Capital Ratio, To be well capitalized under prompt corrective action provisions, Minimum 0.10 0.10
Banking Regulation, Tier 1 Risk-Based Capital, Actual $ 1,010,640 $ 955,039
Banking Regulation, Tier 1 Risk-Based Capital Ratio, Actual 0.1096 0.1057
Banking Regulation, Tier 1 Risk-Based Capital, Capital Adequacy, Minimum $ 553,130 $ 542,262
Banking Regulation, Tier 1 Risk-Based Capital Ratio, Capital Adequacy, Minimum 0.06 0.06
Tier 1 risk-based capital for capital adequacy purposes with capital conservation buffer, amount $ 783,601 $ 768,204
Tier 1 risk-based capital for capital adequacy purposes with capital conservation buffer, ratio 0.085 0.085
Banking Regulation, Tier 1 Risk-Based Capital, To be well capitalized under prompt corrective action provisions, Minimum $ 737,507 $ 723,016
Banking Regulation, Tier 1 Risk-Based Capital Ratio, To be well capitalized under prompt corrective action provisions, Minimum 0.08 0.08
Banking Regulation, Tier 1 Leverage Capital, Actual $ 1,010,640 $ 955,039
Banking Regulation, Tier 1 Leverage Capital Ratio, Actual 0.1122 0.1073
Banking Regulation, Tier 1 Leverage Capital, Capital Adequacy, Minimum $ 360,229 $ 356,091
Banking Regulation, Tier 1 Leverage Capital Ratio, Capital Adequacy, Minimum 0.04 0.04
Tier 1 leverage for capital adequacy purposes with capital conservation buffer, amount $ 360,229 $ 356,091
Tier 1 leverage for capital adequacy purposes with capital conservation buffer, ratio 0.04 0.04
Banking Regulation, Tier 1 Leverage Capital, To be well capitalized under prompt corrective action provisions, Minimum $ 450,286 $ 445,114
Banking Regulation, Tier 1 Leverage Capital Ratio, To be well capitalized under prompt corrective action provisions, Minimum 0.05 0.05
Banking Regulation, Common Equity Tier 1 Risk-Based Capital, Actual $ 961,715 $ 906,179
Banking Regulation, Common Equity Tier 1 Risk-Based Capital Ratio, Actual 0.1043 0.1003
Banking Regulation, Common Equity Tier 1 Risk-Based Capital, Capital Adequacy, Minimum $ 414,848 $ 406,696
Common equity Tier 1 for capital adequacy purposes, ratio 4.50% 4.50%
Common equity Tier 1 for capital adequacy purposes with capital conservation buffer, amount $ 645,319 $ 632,639
Common equity Tier 1 for capital adequacy purposes with capital conservation buffer, ratio 7.00% 7.00%
Banking Regulation, Common Equity Tier 1 Risk-Based Capital, To be well capitalized under prompt corrective action provisions, Minimum $ 599,225 $ 587,450
Common equity Tier 1, To be well capitalized under prompt corrective action provisions, ratio 6.50% 6.50%
QCBT    
Banking Regulation, Total Capital, Actual $ 339,461 $ 323,221
Total risk-based capital, actual, ratio 0.1433 0.1365
Banking Regulation, Total Risk-Based Capital, Capital Adequacy, Minimum $ 189,536 $ 189,365
Banking Regulation, Total Risk-Based Capital Ratio, Capital Adequacy, Minimum 0.08 0.08
Total risk-based capital for capital adequacy purposes with capital conservation buffer, amount $ 248,766 $ 248,541
Total risk-based capital for capital adequacy purposes with capital conservation buffer, ratio 0.105 0.105
Banking Regulation, Total Risk-Based Capital, To be well capitalized under prompt corrective action provisions , Minimum $ 236,920 $ 236,706
Banking Regulation, Total Risk-Based Capital Ratio, To be well capitalized under prompt corrective action provisions, Minimum 0.10 0.10
Banking Regulation, Tier 1 Risk-Based Capital, Actual $ 310,380 $ 293,597
Banking Regulation, Tier 1 Risk-Based Capital Ratio, Actual 0.131 0.124
Banking Regulation, Tier 1 Risk-Based Capital, Capital Adequacy, Minimum $ 142,152 $ 142,024
Banking Regulation, Tier 1 Risk-Based Capital Ratio, Capital Adequacy, Minimum 0.06 0.06
Tier 1 risk-based capital for capital adequacy purposes with capital conservation buffer, amount $ 201,382 $ 201,200
Tier 1 risk-based capital for capital adequacy purposes with capital conservation buffer, ratio 0.085 0.085
Banking Regulation, Tier 1 Risk-Based Capital, To be well capitalized under prompt corrective action provisions, Minimum $ 189,536 $ 189,365
Banking Regulation, Tier 1 Risk-Based Capital Ratio, To be well capitalized under prompt corrective action provisions, Minimum 0.08 0.08
Banking Regulation, Tier 1 Leverage Capital, Actual $ 310,380 $ 293,597
Banking Regulation, Tier 1 Leverage Capital Ratio, Actual 0.117 0.1141
Banking Regulation, Tier 1 Leverage Capital, Capital Adequacy, Minimum $ 106,093 $ 102,969
Banking Regulation, Tier 1 Leverage Capital Ratio, Capital Adequacy, Minimum 0.04 0.04
Tier 1 leverage for capital adequacy purposes with capital conservation buffer, amount $ 106,093 $ 102,969
Tier 1 leverage for capital adequacy purposes with capital conservation buffer, ratio 0.04 0.04
Banking Regulation, Tier 1 Leverage Capital, To be well capitalized under prompt corrective action provisions, Minimum $ 132,617 $ 128,712
Banking Regulation, Tier 1 Leverage Capital Ratio, To be well capitalized under prompt corrective action provisions, Minimum 0.05 0.05
Banking Regulation, Common Equity Tier 1 Risk-Based Capital, Actual $ 310,380 $ 293,597
Banking Regulation, Common Equity Tier 1 Risk-Based Capital Ratio, Actual 0.131 0.124
Banking Regulation, Common Equity Tier 1 Risk-Based Capital, Capital Adequacy, Minimum $ 106,614 $ 106,518
Common equity Tier 1 for capital adequacy purposes, ratio 4.50% 4.50%
Common equity Tier 1 for capital adequacy purposes with capital conservation buffer, amount $ 165,844 $ 165,694
Common equity Tier 1 for capital adequacy purposes with capital conservation buffer, ratio 7.00% 7.00%
Banking Regulation, Common Equity Tier 1 Risk-Based Capital, To be well capitalized under prompt corrective action provisions, Minimum $ 153,998 $ 153,859
Common equity Tier 1, To be well capitalized under prompt corrective action provisions, ratio 6.50% 6.50%
CRBT    
Banking Regulation, Total Capital, Actual $ 481,055 $ 452,942
Total risk-based capital, actual, ratio 0.1509 0.1479
Banking Regulation, Total Risk-Based Capital, Capital Adequacy, Minimum $ 255,110 $ 245,055
Banking Regulation, Total Risk-Based Capital Ratio, Capital Adequacy, Minimum 0.08 0.08
Total risk-based capital for capital adequacy purposes with capital conservation buffer, amount $ 334,832 $ 321,635
Total risk-based capital for capital adequacy purposes with capital conservation buffer, ratio 0.105 0.105
Banking Regulation, Total Risk-Based Capital, To be well capitalized under prompt corrective action provisions , Minimum $ 318,888 $ 306,319
Banking Regulation, Total Risk-Based Capital Ratio, To be well capitalized under prompt corrective action provisions, Minimum 0.10 0.10
Banking Regulation, Tier 1 Risk-Based Capital, Actual $ 453,450 $ 424,253
Banking Regulation, Tier 1 Risk-Based Capital Ratio, Actual 0.1422 0.1385
Banking Regulation, Tier 1 Risk-Based Capital, Capital Adequacy, Minimum $ 191,333 $ 183,792
Banking Regulation, Tier 1 Risk-Based Capital Ratio, Capital Adequacy, Minimum 0.06 0.06
Tier 1 risk-based capital for capital adequacy purposes with capital conservation buffer, amount $ 271,054 $ 260,371
Tier 1 risk-based capital for capital adequacy purposes with capital conservation buffer, ratio 0.085 0.085
Banking Regulation, Tier 1 Risk-Based Capital, To be well capitalized under prompt corrective action provisions, Minimum $ 255,110 $ 245,055
Banking Regulation, Tier 1 Risk-Based Capital Ratio, To be well capitalized under prompt corrective action provisions, Minimum 0.08 0.08
Banking Regulation, Tier 1 Leverage Capital, Actual $ 453,450 $ 424,253
Banking Regulation, Tier 1 Leverage Capital Ratio, Actual 0.1728 0.164
Banking Regulation, Tier 1 Leverage Capital, Capital Adequacy, Minimum $ 104,943 $ 103,449
Banking Regulation, Tier 1 Leverage Capital Ratio, Capital Adequacy, Minimum 0.04 0.04
Tier 1 leverage for capital adequacy purposes with capital conservation buffer, amount $ 104,943 $ 103,449
Tier 1 leverage for capital adequacy purposes with capital conservation buffer, ratio 0.04 0.04
Banking Regulation, Tier 1 Leverage Capital, To be well capitalized under prompt corrective action provisions, Minimum $ 131,179 $ 129,312
Banking Regulation, Tier 1 Leverage Capital Ratio, To be well capitalized under prompt corrective action provisions, Minimum 0.05 0.05
Banking Regulation, Common Equity Tier 1 Risk-Based Capital, Actual $ 453,450 $ 424,253
Banking Regulation, Common Equity Tier 1 Risk-Based Capital Ratio, Actual 0.1422 0.1385
Banking Regulation, Common Equity Tier 1 Risk-Based Capital, Capital Adequacy, Minimum $ 143,499 $ 137,844
Common equity Tier 1 for capital adequacy purposes, ratio 4.50% 4.50%
Common equity Tier 1 for capital adequacy purposes with capital conservation buffer, amount $ 223,221 $ 214,424
Common equity Tier 1 for capital adequacy purposes with capital conservation buffer, ratio 7.00% 7.00%
Banking Regulation, Common Equity Tier 1 Risk-Based Capital, To be well capitalized under prompt corrective action provisions, Minimum $ 207,277 $ 199,108
Common equity Tier 1, To be well capitalized under prompt corrective action provisions, ratio 6.50% 6.50%
CSB    
Banking Regulation, Total Capital, Actual $ 200,559 $ 189,362
Total risk-based capital, actual, ratio 0.1306 0.1294
Banking Regulation, Total Risk-Based Capital, Capital Adequacy, Minimum $ 122,888 $ 117,065
Banking Regulation, Total Risk-Based Capital Ratio, Capital Adequacy, Minimum 0.08 0.08
Total risk-based capital for capital adequacy purposes with capital conservation buffer, amount $ 161,291 $ 153,648
Total risk-based capital for capital adequacy purposes with capital conservation buffer, ratio 0.105 0.105
Banking Regulation, Total Risk-Based Capital, To be well capitalized under prompt corrective action provisions , Minimum $ 153,611 $ 146,332
Banking Regulation, Total Risk-Based Capital Ratio, To be well capitalized under prompt corrective action provisions, Minimum 0.10 0.10
Banking Regulation, Tier 1 Risk-Based Capital, Actual $ 186,208 $ 176,646
Banking Regulation, Tier 1 Risk-Based Capital Ratio, Actual 0.1212 0.1207
Banking Regulation, Tier 1 Risk-Based Capital, Capital Adequacy, Minimum $ 92,166 $ 87,799
Banking Regulation, Tier 1 Risk-Based Capital Ratio, Capital Adequacy, Minimum 0.06 0.06
Tier 1 risk-based capital for capital adequacy purposes with capital conservation buffer, amount $ 130,569 $ 124,382
Tier 1 risk-based capital for capital adequacy purposes with capital conservation buffer, ratio 0.085 0.085
Banking Regulation, Tier 1 Risk-Based Capital, To be well capitalized under prompt corrective action provisions, Minimum $ 122,888 $ 117,065
Banking Regulation, Tier 1 Risk-Based Capital Ratio, To be well capitalized under prompt corrective action provisions, Minimum 0.08 0.08
Banking Regulation, Tier 1 Leverage Capital, Actual $ 186,208 $ 176,646
Banking Regulation, Tier 1 Leverage Capital Ratio, Actual 0.1175 0.1172
Banking Regulation, Tier 1 Leverage Capital, Capital Adequacy, Minimum $ 63,386 $ 60,305
Banking Regulation, Tier 1 Leverage Capital Ratio, Capital Adequacy, Minimum 0.04 0.04
Tier 1 leverage for capital adequacy purposes with capital conservation buffer, amount $ 63,386 $ 60,305
Tier 1 leverage for capital adequacy purposes with capital conservation buffer, ratio 0.04 0.04
Banking Regulation, Tier 1 Leverage Capital, To be well capitalized under prompt corrective action provisions, Minimum $ 79,232 $ 75,382
Banking Regulation, Tier 1 Leverage Capital Ratio, To be well capitalized under prompt corrective action provisions, Minimum 0.05 0.05
Banking Regulation, Common Equity Tier 1 Risk-Based Capital, Actual $ 186,208 $ 176,646
Banking Regulation, Common Equity Tier 1 Risk-Based Capital Ratio, Actual 0.1212 0.1207
Banking Regulation, Common Equity Tier 1 Risk-Based Capital, Capital Adequacy, Minimum $ 69,125 $ 65,849
Common equity Tier 1 for capital adequacy purposes, ratio 4.50% 4.50%
Common equity Tier 1 for capital adequacy purposes with capital conservation buffer, amount $ 107,527 $ 102,432
Common equity Tier 1 for capital adequacy purposes with capital conservation buffer, ratio 7.00% 7.00%
Banking Regulation, Common Equity Tier 1 Risk-Based Capital, To be well capitalized under prompt corrective action provisions, Minimum $ 99,847 $ 95,115
Common equity Tier 1, To be well capitalized under prompt corrective action provisions, ratio 6.50% 6.50%
Guaranty Bank    
Banking Regulation, Total Capital, Actual $ 307,790 $ 297,047
Total risk-based capital, actual, ratio 0.147 0.1426
Banking Regulation, Total Risk-Based Capital, Capital Adequacy, Minimum $ 167,529 $ 166,695
Banking Regulation, Total Risk-Based Capital Ratio, Capital Adequacy, Minimum 0.08 0.08
Total risk-based capital for capital adequacy purposes with capital conservation buffer, amount $ 219,882 $ 218,787
Total risk-based capital for capital adequacy purposes with capital conservation buffer, ratio 0.105 0.105
Banking Regulation, Total Risk-Based Capital, To be well capitalized under prompt corrective action provisions , Minimum $ 209,411 $ 208,369
Banking Regulation, Total Risk-Based Capital Ratio, To be well capitalized under prompt corrective action provisions, Minimum 0.10 0.10
Banking Regulation, Tier 1 Risk-Based Capital, Actual $ 282,693 $ 272,621
Banking Regulation, Tier 1 Risk-Based Capital Ratio, Actual 0.135 0.1308
Banking Regulation, Tier 1 Risk-Based Capital, Capital Adequacy, Minimum $ 125,647 $ 125,021
Banking Regulation, Tier 1 Risk-Based Capital Ratio, Capital Adequacy, Minimum 0.06 0.06
Tier 1 risk-based capital for capital adequacy purposes with capital conservation buffer, amount $ 178,000 $ 177,113
Tier 1 risk-based capital for capital adequacy purposes with capital conservation buffer, ratio 0.085 0.085
Banking Regulation, Tier 1 Risk-Based Capital, To be well capitalized under prompt corrective action provisions, Minimum $ 167,529 $ 166,695
Banking Regulation, Tier 1 Risk-Based Capital Ratio, To be well capitalized under prompt corrective action provisions, Minimum 0.08 0.08
Banking Regulation, Tier 1 Leverage Capital, Actual $ 282,693 $ 272,621
Banking Regulation, Tier 1 Leverage Capital Ratio, Actual 0.1265 0.1215
Banking Regulation, Tier 1 Leverage Capital, Capital Adequacy, Minimum $ 89,355 $ 89,770
Banking Regulation, Tier 1 Leverage Capital Ratio, Capital Adequacy, Minimum 0.04 0.04
Tier 1 leverage for capital adequacy purposes with capital conservation buffer, amount $ 89,355 $ 89,770
Tier 1 leverage for capital adequacy purposes with capital conservation buffer, ratio 0.04 0.04
Banking Regulation, Tier 1 Leverage Capital, To be well capitalized under prompt corrective action provisions, Minimum $ 111,693 $ 112,213
Banking Regulation, Tier 1 Leverage Capital Ratio, To be well capitalized under prompt corrective action provisions, Minimum 0.05 0.05
Banking Regulation, Common Equity Tier 1 Risk-Based Capital, Actual $ 282,693 $ 272,621
Banking Regulation, Common Equity Tier 1 Risk-Based Capital Ratio, Actual 0.135 0.1308
Banking Regulation, Common Equity Tier 1 Risk-Based Capital, Capital Adequacy, Minimum $ 94,235 $ 93,766
Common equity Tier 1 for capital adequacy purposes, ratio 4.50% 4.50%
Common equity Tier 1 for capital adequacy purposes with capital conservation buffer, amount $ 146,588 $ 145,858
Common equity Tier 1 for capital adequacy purposes with capital conservation buffer, ratio 7.00% 7.00%
Banking Regulation, Common Equity Tier 1 Risk-Based Capital, To be well capitalized under prompt corrective action provisions, Minimum $ 136,117 $ 135,440
Common equity Tier 1, To be well capitalized under prompt corrective action provisions, ratio 6.50% 6.50%