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Regulatory Matters | 12 Months Ended
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Dec. 31, 2019
Regulatory Matters [Abstract] |
Regulatory Matters | Note 15: Regulatory Matters As of December 31, 2019, based on its call report computations, State Bank was classified as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, State Bank must maintain capital ratios as set forth in the table below. There are no conditions or events since December 31, 2019 that management believes have changed State Bank’s capital classification. State Bank’s actual capital amounts and ratios are presented in the following table. Capital levels are presented for the State Bank only as the Company is exempt from quarterly reporting at the holding company level:
|  | Actual |  |  | For Capital Adequacy Purposes |  |  | To Be Well Capitalized Under Prompt Corrective Action Procedures |
($ in thousands) |  | Amount |  |  | Ratio |  |  | Amount |  |  | Ratio |  |  | Amount |  |  | Ratio |
As of December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Tier I Capital to average assets |  | $ | 116,884 |  |  |  | 11.36 | % |  | $ | 41,165 |  |  |  | 4.0 | % |  | $ | 51,456 |  |  |  | 5.0 | %
Tier I Common equity capital to risk-weighted assets |  |  | 116,884 |  |  |  | 12.46 | % |  |  | 42,204 |  |  |  | 4.5 | % |  |  | 60,962 |  |  |  | 6.5 | %
Tier I Capital to risk-weighted assets |  |  | 116,884 |  |  |  | 12.46 | % |  |  | 56,273 |  |  |  | 6.0 | % |  |  | 75,030 |  |  |  | 8.0 | %
Total Risk-based capital to risk-weighted assets |  |  | 125,639 |  |  |  | 13.40 | % |  |  | 75,030 |  |  |  | 8.0 | % |  |  | 93,788 |  |  |  | 10.0 | %
As of December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Tier I Capital to average assets |  | $ | 110,022 |  |  |  | 11.23 | % |  | $ | 39,183 |  |  |  | 4.0 | % |  | $ | 48,979 |  |  |  | 5.0 | %
Tier I Common equity capital to risk-weighted assets |  |  | 110,022 |  |  |  | 12.57 | % |  |  | 39,386 |  |  |  | 4.5 | % |  |  | 56,890 |  |  |  | 6.5 | %
Tier I Capital to risk-weighted assets |  |  | 110,022 |  |  |  | 12.57 | % |  |  | 52,514 |  |  |  | 6.0 | % |  |  | 70,019 |  |  |  | 8.0 | %
Total Risk-based capital to risk-weighted assets |  |  | 118,189 |  |  |  | 13.50 | % |  |  | 70,019 |  |  |  | 8.0 | % |  |  | 87,524 |  |  |  | 10.0 | %
The above minimum capital requirements exclude the capital conservation buffer required to avoid limitations on capital distributions, including dividend payments and certain discretionary bonus payments to executive officers. The capital conservation buffer was phased beginning in 2015 and was fully phased in at 2.50 percent at January 1, 2019. The net unrealized gain or loss on available-for-sale securities is not included in computing regulatory capital. Management believes as of December 31, 2019, State Bank met all capital adequacy requirements to which they are subject.

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