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Note 9 - REGULATORY CAPITAL REQUIREMENTS - Capital Requirements (Details)
$ in Thousands
Mar. 31, 2023
USD ($)
Dec. 31, 2022
USD ($)
Total risk-based capital, actual, amount $ 1,078,343 $ 1,055,177
Total risk-based capital, actual, ratio 0.1468 0.1428
Total risk-based capital for capital adequacy purposes, amount $ 587,728 $ 591,132
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 $ 771,392 $ 775,861
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 $ 734,659 $ 738,915
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 $ 754,221 $ 734,977
Tier 1 risk-based capital, actual, ratio 0.1027 0.0995
Tier 1 risk-based capital for capital adequacy purposes, amount $ 440,796 $ 443,349
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 $ 624,460 $ 628,078
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 $ 587,728 $ 591,132
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, ratio 0.0800 0.0800
Tier 1 leverage, actual, amount $ 754,221 $ 734,977
Tier 1 leverage, actual, ratio 0.0973 0.0961
Tier 1 leverage for capital adequacy purposes, amount $ 310,214 $ 305,959
Tier 1 leverage for capital adequacy purposes, ratio 0.0400 0.0400
Tier 1 leverage for capital adequacy purposes with capital conservation buffer, amount $ 310,214 $ 305,959
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 $ 387,768 $ 382,449
Tier 1 leverage to be well capitalized under prompt corrective action provisions, ratio 0.0500 0.0500
Common equity Tier 1, actual, amount $ 705,587 $ 686,375
Common equity Tier 1, actual ratio 0.0960 0.0929
Common equity Tier 1 for capital adequacy purposes, amount $ 330,597 $ 332,512
Common equity Tier 1 for capital adequacy purposes, ratio 0.045% 4.50%
Common equity Tier 1 for capital adequacy purposes with capital conservation buffer, amount $ 514,262 $ 517,241
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 $ 477,529 $ 480,295
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 $ 282,911 $ 275,337
Total risk-based capital, actual, ratio 0.1315 0.1307
Total risk-based capital for capital adequacy purposes, amount $ 172,050 $ 168,588
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 $ 225,816 $ 221,272
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 $ 215,063 $ 210,735
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 $ 256,016 $ 248,978
Tier 1 risk-based capital, actual, ratio 0.1190 0.1181
Tier 1 risk-based capital for capital adequacy purposes, amount $ 129,038 $ 126,441
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 $ 182,804 $ 179,125
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 $ 172,050 $ 168,588
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, ratio 0.0800 0.0800
Tier 1 leverage, actual, amount $ 256,016 $ 248,978
Tier 1 leverage, actual, ratio 0.1106 0.1101
Tier 1 leverage for capital adequacy purposes, amount $ 92,599 $ 90,419
Tier 1 leverage for capital adequacy purposes, ratio 0.0400 0.0400
Tier 1 leverage for capital adequacy purposes with capital conservation buffer, amount $ 92,599 $ 90,419
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 $ 115,748 $ 133,023
Tier 1 leverage to be well capitalized under prompt corrective action provisions, ratio 0.0500 0.0500
Common equity Tier 1, actual, amount $ 256,016 $ 248,978
Common equity Tier 1, actual ratio 0.1190 0.1181
Common equity Tier 1 for capital adequacy purposes, amount $ 96,778 $ 94,831
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 $ 150,544 $ 147,514
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 $ 139,791 $ 136,978
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 $ 323,605 $ 308,153
Total risk-based capital, actual, ratio 0.1624 0.1484
Total risk-based capital for capital adequacy purposes, amount $ 159,422 $ 166,168
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 $ 209,241 $ 218,096
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 $ 199,277 $ 207,711
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 $ 298,757 $ 282,258
Tier 1 risk-based capital, actual, ratio 0.1499 0.1359
Tier 1 risk-based capital for capital adequacy purposes, amount $ 119,566 $ 124,626
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 $ 169,386 $ 176,554
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 $ 159,422 $ 166,168
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, ratio 0.0800 0.0800
Tier 1 leverage, actual, amount $ 298,757 $ 282,258
Tier 1 leverage, actual, ratio 0.1395 0.1317
Tier 1 leverage for capital adequacy purposes, amount $ 85,658 $ 85,707
Tier 1 leverage for capital adequacy purposes, ratio 0.0400 0.0400
Tier 1 leverage for capital adequacy purposes with capital conservation buffer, amount $ 85,658 $ 85,707
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 $ 107,073 $ 107,134
Tier 1 leverage to be well capitalized under prompt corrective action provisions, ratio 0.0500 0.0500
Common equity Tier 1, actual, amount $ 298,757 $ 282,258
Common equity Tier 1, actual ratio 0.1499 0.1359
Common equity Tier 1 for capital adequacy purposes, amount $ 89,675 $ 93,470
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 $ 139,494 $ 145,397
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 $ 129,530 $ 135,012
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 $ 147,754 $ 142,974
Total risk-based capital, actual, ratio 0.1253 0.1204
Total risk-based capital for capital adequacy purposes, amount $ 94,349 $ 94,981
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 $ 123,833 $ 124,662
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 $ 117,936 $ 118,726
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 $ 133,007 $ 128,130
Tier 1 risk-based capital, actual, ratio 0.1128 0.1079
Tier 1 risk-based capital for capital adequacy purposes, amount $ 70,762 $ 71,236
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 $ 100,246 $ 100,917
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 $ 94,349 $ 94,981
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, ratio 0.0800 0.0800
Tier 1 leverage, actual, amount $ 133,007 $ 128,130
Tier 1 leverage, actual, ratio 0.1045 0.1009
Tier 1 leverage for capital adequacy purposes, amount $ 50,899 $ 50,799
Tier 1 leverage for capital adequacy purposes, ratio 0.0400 0.0400
Tier 1 leverage for capital adequacy purposes with capital conservation buffer, amount $ 50,899 $ 50,799
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 $ 63,624 $ 63,499
Tier 1 leverage to be well capitalized under prompt corrective action provisions, ratio 0.0500 0.0500
Common equity Tier 1, actual, amount $ 133,007 $ 128,130
Common equity Tier 1, actual ratio 0.1128 0.1079
Common equity Tier 1 for capital adequacy purposes, amount $ 53,071 $ 53,427
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 $ 82,555 $ 83,108
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 $ 76,659 $ 77,172
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 $ 246,979 $ 243,106
Total risk-based capital, actual, ratio 0.1241 0.1224
Total risk-based capital for capital adequacy purposes, amount $ 159,267 $ 158,903
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 $ 209,038 $ 208,560
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 $ 199,084 $ 198,629
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 $ 223,668 $ 218,647
Tier 1 risk-based capital, actual, ratio 0.1123 0.1101
Tier 1 risk-based capital for capital adequacy purposes, amount $ 119,450 $ 119,177
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 $ 169,221 $ 168,834
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 $ 159,267 $ 158,903
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, ratio 0.0800 0.0800
Tier 1 leverage, actual, amount $ 223,668 $ 218,647
Tier 1 leverage, actual, ratio 0.1102 0.1090
Tier 1 leverage for capital adequacy purposes, amount $ 81,171 $ 80,229
Tier 1 leverage for capital adequacy purposes, ratio 0.0400 0.0400
Tier 1 leverage for capital adequacy purposes with capital conservation buffer, amount $ 81,171 $ 80,229
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 $ 101,464 $ 100,286
Tier 1 leverage to be well capitalized under prompt corrective action provisions, ratio 0.0500 0.0500
Common equity Tier 1, actual, amount $ 223,668 $ 218,647
Common equity Tier 1, actual ratio 0.1123 0.1101
Common equity Tier 1 for capital adequacy purposes, amount $ 89,588 $ 89,383
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 $ 139,359 $ 139,040
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 $ 129,404 $ 129,109
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio 6.50% 6.50%