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Note 10 - REGULATORY CAPITAL REQUIREMENTS - Capital Requirements (Details)
$ in Thousands
Jun. 30, 2024
USD ($)
Dec. 31, 2023
USD ($)
Total risk-based capital, actual, amount $ 1,215,780 $ 1,171,047
Total risk-based capital, actual, ratio 0.1421 0.1429
Total risk-based capital for capital adequacy purposes, amount $ 684,345 $ 655,461
Total risk-based capital for capital adequacy purposes, ratio 0.0800 0.0800
Total risk-based capital for capital adequacy purposes with capital conservation buffer, amount $ 855,431 $ 860,293
Total risk-based capital for capital adequacy purposes with capital conservation buffer, ratio 0.1050 0.1050
Total risk-based capital to be well capitalized under prompt corrective action provisions, amount $ 898,203 $ 819,327
Total risk-based capital to be well capitalized under prompt corrective action provisions, ratio 0.1000 0.1000
Tier 1 risk-based capital, actual, amount $ 897,236 $ 841,052
Tier 1 risk-based capital, actual, ratio 0.1049 0.1027
Tier 1 risk-based capital for capital adequacy purposes, amount $ 513,259 $ 491,596
Tier 1 risk-based capital for capital adequacy purposes, ratio 0.0600 0.0600
Tier 1 risk-based capital for capital adequacy purposes with capital conservation buffer, amount $ 684,345 $ 696,428
Tier 1 risk-based capital for capital adequacy purposes with capital conservation buffer, ratio 0.0850 0.0850
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, amount $ 727,116 $ 655,461
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, ratio 0.0800 0.0800
Tier 1 leverage, actual, amount $ 897,236 $ 841,052
Tier 1 leverage, actual, ratio 0.1040 0.1003
Tier 1 leverage for capital adequacy purposes, amount $ 345,057 $ 335,420
Tier 1 leverage for capital adequacy purposes, ratio 0.0400 0.0400
Tier 1 leverage for capital adequacy purposes with capital conservation buffer, amount $ 431,321 $ 335,420
Tier 1 leverage for capital adequacy purposes with capital conservation buffer, ratio 0.0400 0.0400
Tier 1 leverage to be well capitalized under prompt corrective action provisions, amount $ 345,057 $ 419,275
Tier 1 leverage to be well capitalized under prompt corrective action provisions, ratio 0.0500 0.0500
Common equity Tier 1, actual, amount $ 848,441 $ 792,321
Common equity Tier 1, actual ratio 0.0992 0.0967
Common equity Tier 1 for capital adequacy purposes, amount $ 384,944 $ 368,697
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 $ 556,030 $ 573,529
Common equity Tier 1 for capital adequacy purposes with capital conservation buffer, ratio 7.00% 7.00%
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, amount $ 598,802 $ 532,562
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio 6.50% 6.50%
QCBT    
Total risk-based capital, actual, amount $ 311,392 $ 300,413
Total risk-based capital, actual, ratio 0.1291 0.1267
Total risk-based capital for capital adequacy purposes, amount $ 192,968 $ 189,707
Total risk-based capital for capital adequacy purposes, ratio 0.0800 0.0800
Total risk-based capital for capital adequacy purposes with capital conservation buffer, amount $ 241,210 $ 248,990
Total risk-based capital for capital adequacy purposes with capital conservation buffer, ratio 0.1050 0.1050
Total risk-based capital to be well capitalized under prompt corrective action provisions, amount $ 253,271 $ 237,133
Total risk-based capital to be well capitalized under prompt corrective action provisions, ratio 0.1000 0.1000
Tier 1 risk-based capital, actual, amount $ 281,205 $ 270,744
Tier 1 risk-based capital, actual, ratio 0.1166 0.1142
Tier 1 risk-based capital for capital adequacy purposes, amount $ 144,726 $ 142,280
Tier 1 risk-based capital for capital adequacy purposes, ratio 0.0600 0.0600
Tier 1 risk-based capital for capital adequacy purposes with capital conservation buffer, amount $ 192,968 $ 201,563
Tier 1 risk-based capital for capital adequacy purposes with capital conservation buffer, ratio 0.0850 0.0850
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, amount $ 205,029 $ 189,707
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, ratio 0.0800 0.0800
Tier 1 leverage, actual, amount $ 281,205 $ 270,744
Tier 1 leverage, actual, ratio 0.1111 0.1123
Tier 1 leverage for capital adequacy purposes, amount $ 101,245 $ 96,425
Tier 1 leverage for capital adequacy purposes, ratio 0.0400 0.0400
Tier 1 leverage for capital adequacy purposes with capital conservation buffer, amount $ 126,557 $ 96,425
Tier 1 leverage for capital adequacy purposes with capital conservation buffer, ratio 0.0400 0.0400
Tier 1 leverage to be well capitalized under prompt corrective action provisions, amount $ 101,245 $ 120,531
Tier 1 leverage to be well capitalized under prompt corrective action provisions, ratio 0.0500 0.0500
Common equity Tier 1, actual, amount $ 281,205 $ 270,744
Common equity Tier 1, actual ratio 0.1166 0.1142
Common equity Tier 1 for capital adequacy purposes, amount $ 108,545 $ 106,710
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 $ 156,787 $ 165,993
Common equity Tier 1 for capital adequacy purposes with capital conservation buffer, ratio 7.00% 7.00%
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, amount $ 168,847 $ 154,137
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio 6.50% 6.50%
CRBT    
Total risk-based capital, actual, amount $ 417,981 $ 381,514
Total risk-based capital, actual, ratio 0.1587 0.1560
Total risk-based capital for capital adequacy purposes, amount $ 210,700 $ 195,687
Total risk-based capital for capital adequacy purposes, ratio 0.0800 0.0800
Total risk-based capital for capital adequacy purposes with capital conservation buffer, amount $ 263,375 $ 256,840
Total risk-based capital for capital adequacy purposes with capital conservation buffer, ratio 0.1050 0.1050
Total risk-based capital to be well capitalized under prompt corrective action provisions, amount $ 276,544 $ 244,609
Total risk-based capital to be well capitalized under prompt corrective action provisions, ratio 0.1000 0.1000
Tier 1 risk-based capital, actual, amount $ 390,482 $ 354,940
Tier 1 risk-based capital, actual, ratio 0.1483 0.1451
Tier 1 risk-based capital for capital adequacy purposes, amount $ 158,025 $ 146,766
Tier 1 risk-based capital for capital adequacy purposes, ratio 0.0600 0.0600
Tier 1 risk-based capital for capital adequacy purposes with capital conservation buffer, amount $ 210,700 $ 207,918
Tier 1 risk-based capital for capital adequacy purposes with capital conservation buffer, ratio 0.0850 0.0850
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, amount $ 223,869 $ 195,687
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, ratio 0.0800 0.0800
Tier 1 leverage, actual, amount $ 390,482 $ 354,940
Tier 1 leverage, actual, ratio 0.1622 0.1477
Tier 1 leverage for capital adequacy purposes, amount $ 96,312 $ 96,093
Tier 1 leverage for capital adequacy purposes, ratio 0.0400 0.0400
Tier 1 leverage for capital adequacy purposes with capital conservation buffer, amount $ 120,390 $ 96,093
Tier 1 leverage for capital adequacy purposes with capital conservation buffer, ratio 0.0400 0.0400
Tier 1 leverage to be well capitalized under prompt corrective action provisions, amount $ 96,312 $ 120,116
Tier 1 leverage to be well capitalized under prompt corrective action provisions, ratio 0.0500 0.0500
Common equity Tier 1, actual, amount $ 390,482 $ 354,940
Common equity Tier 1, actual ratio 0.1483 0.1451
Common equity Tier 1 for capital adequacy purposes, amount $ 118,519 $ 110,074
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 $ 171,194 $ 171,227
Common equity Tier 1 for capital adequacy purposes with capital conservation buffer, ratio 7.00% 7.00%
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, amount $ 184,362 $ 158,996
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio 6.50% 6.50%
CSB    
Total risk-based capital, actual, amount $ 179,959 $ 171,747
Total risk-based capital, actual, ratio 0.1261 0.1322
Total risk-based capital for capital adequacy purposes, amount $ 114,161 $ 103,903
Total risk-based capital for capital adequacy purposes, ratio 0.0800 0.0800
Total risk-based capital for capital adequacy purposes with capital conservation buffer, amount $ 142,701 $ 136,372
Total risk-based capital for capital adequacy purposes with capital conservation buffer, ratio 0.1050 0.1050
Total risk-based capital to be well capitalized under prompt corrective action provisions, amount $ 149,836 $ 129,878
Total risk-based capital to be well capitalized under prompt corrective action provisions, ratio 0.1000 0.1000
Tier 1 risk-based capital, actual, amount $ 165,686 $ 156,629
Tier 1 risk-based capital, actual, ratio 0.1161 0.1206
Tier 1 risk-based capital for capital adequacy purposes, amount $ 85,621 $ 77,927
Tier 1 risk-based capital for capital adequacy purposes, ratio 0.0600 0.0600
Tier 1 risk-based capital for capital adequacy purposes with capital conservation buffer, amount $ 114,161 $ 110,397
Tier 1 risk-based capital for capital adequacy purposes with capital conservation buffer, ratio 0.0850 0.0850
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, amount $ 121,296 $ 103,903
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, ratio 0.0800 0.0800
Tier 1 leverage, actual, amount $ 165,686 $ 156,629
Tier 1 leverage, actual, ratio 0.1130 0.1119
Tier 1 leverage for capital adequacy purposes, amount $ 58,666 $ 56,005
Tier 1 leverage for capital adequacy purposes, ratio 0.0400 0.0400
Tier 1 leverage for capital adequacy purposes with capital conservation buffer, amount $ 73,332 $ 56,005
Tier 1 leverage for capital adequacy purposes with capital conservation buffer, ratio 0.0400 0.0400
Tier 1 leverage to be well capitalized under prompt corrective action provisions, amount $ 58,666 $ 70,007
Tier 1 leverage to be well capitalized under prompt corrective action provisions, ratio 0.0500 0.0500
Common equity Tier 1, actual, amount $ 165,686 $ 156,629
Common equity Tier 1, actual ratio 0.1161 0.1206
Common equity Tier 1 for capital adequacy purposes, amount $ 64,216 $ 58,445
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 $ 92,756 $ 90,915
Common equity Tier 1 for capital adequacy purposes with capital conservation buffer, ratio 7.00% 7.00%
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, amount $ 99,891 $ 84,421
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio 6.50% 6.50%
Guaranty Bank    
Total risk-based capital, actual, amount $ 282,164 $ 267,822
Total risk-based capital, actual, ratio 0.1326 0.1268
Total risk-based capital for capital adequacy purposes, amount $ 170,291 $ 168,967
Total risk-based capital for capital adequacy purposes, ratio 0.0800 0.0800
Total risk-based capital for capital adequacy purposes with capital conservation buffer, amount $ 212,864 $ 221,770
Total risk-based capital for capital adequacy purposes with capital conservation buffer, ratio 0.1050 0.1050
Total risk-based capital to be well capitalized under prompt corrective action provisions, amount $ 223,508 $ 211,209
Total risk-based capital to be well capitalized under prompt corrective action provisions, ratio 0.1000 0.1000
Tier 1 risk-based capital, actual, amount $ 258,749 $ 244,506
Tier 1 risk-based capital, actual, ratio 0.1216 0.1158
Tier 1 risk-based capital for capital adequacy purposes, amount $ 127,719 $ 126,726
Tier 1 risk-based capital for capital adequacy purposes, ratio 0.0600 0.0600
Tier 1 risk-based capital for capital adequacy purposes with capital conservation buffer, amount $ 170,291 $ 179,528
Tier 1 risk-based capital for capital adequacy purposes with capital conservation buffer, ratio 0.0850 0.0850
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, amount $ 180,935 $ 168,967
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, ratio 0.0800 0.0800
Tier 1 leverage, actual, amount $ 258,749 $ 244,506
Tier 1 leverage, actual, ratio 0.1154 0.1141
Tier 1 leverage for capital adequacy purposes, amount $ 89,674 $ 85,688
Tier 1 leverage for capital adequacy purposes, ratio 0.0400 0.0400
Tier 1 leverage for capital adequacy purposes with capital conservation buffer, amount $ 112,092 $ 85,688
Tier 1 leverage for capital adequacy purposes with capital conservation buffer, ratio 0.0400 0.0400
Tier 1 leverage to be well capitalized under prompt corrective action provisions, amount $ 89,674 $ 107,110
Tier 1 leverage to be well capitalized under prompt corrective action provisions, ratio 0.0500 0.0500
Common equity Tier 1, actual, amount $ 258,749 $ 244,506
Common equity Tier 1, actual ratio 0.1216 0.1158
Common equity Tier 1 for capital adequacy purposes, amount $ 95,789 $ 95,044
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 $ 138,362 $ 147,847
Common equity Tier 1 for capital adequacy purposes with capital conservation buffer, ratio 7.00% 7.00%
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, amount $ 149,005 $ 137,286
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio 6.50% 6.50%