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Note 9 - REGULATORY CAPITAL REQUIREMENTS - Capital Requirements (Details)
$ in Thousands
Jun. 30, 2023
USD ($)
Dec. 31, 2022
USD ($)
Total risk-based capital, actual, amount $ 1,106,838 $ 1,055,177
Total risk-based capital, actual, ratio 0.1469 0.1428
Total risk-based capital for capital adequacy purposes, amount $ 602,690 $ 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 $ 791,030 $ 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 $ 753,362 $ 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 $ 781,863 $ 734,977
Tier 1 risk-based capital, actual, ratio 0.1038 0.0995
Tier 1 risk-based capital for capital adequacy purposes, amount $ 452,017 $ 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 $ 640,358 $ 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 $ 602,690 $ 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 $ 781,863 $ 734,977
Tier 1 leverage, actual, ratio 0.1006 0.0961
Tier 1 leverage for capital adequacy purposes, amount $ 310,928 $ 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 $ 310,928 $ 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 $ 388,660 $ 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 $ 733,197 $ 686,375
Common equity Tier 1, actual ratio 0.0973 0.0929
Common equity Tier 1 for capital adequacy purposes, amount $ 339,013 $ 332,512
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 $ 527,353 $ 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 $ 489,685 $ 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 $ 288,709 $ 275,337
Total risk-based capital, actual, ratio 0.1295 0.1307
Total risk-based capital for capital adequacy purposes, amount $ 178,291 $ 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 $ 234,007 $ 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 $ 222,864 $ 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 $ 260,833 $ 248,978
Tier 1 risk-based capital, actual, ratio 0.1170 0.1181
Tier 1 risk-based capital for capital adequacy purposes, amount $ 133,718 $ 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 $ 189,434 $ 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 $ 178,291 $ 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 $ 260,833 $ 248,978
Tier 1 leverage, actual, ratio 0.1104 0.1101
Tier 1 leverage for capital adequacy purposes, amount $ 94,465 $ 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 $ 94,465 $ 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 $ 118,081 $ 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 $ 260,833 $ 248,978
Common equity Tier 1, actual ratio 0.1170 0.1181
Common equity Tier 1 for capital adequacy purposes, amount $ 100,289 $ 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 $ 156,005 $ 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 $ 144,861 $ 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 $ 343,875 $ 308,153
Total risk-based capital, actual, ratio 0.1668 0.1484
Total risk-based capital for capital adequacy purposes, amount $ 164,959 $ 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 $ 216,509 $ 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 $ 206,199 $ 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 $ 318,177 $ 282,258
Tier 1 risk-based capital, actual, ratio 0.1543 0.1359
Tier 1 risk-based capital for capital adequacy purposes, amount $ 123,720 $ 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 $ 175,269 $ 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 $ 164,959 $ 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 $ 318,177 $ 282,258
Tier 1 leverage, actual, ratio 0.1458 0.1317
Tier 1 leverage for capital adequacy purposes, amount $ 87,303 $ 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 $ 87,303 $ 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 $ 109,128 $ 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 $ 318,177 $ 282,258
Common equity Tier 1, actual ratio 0.1543 0.1359
Common equity Tier 1 for capital adequacy purposes, amount $ 92,790 $ 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 $ 144,340 $ 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 $ 134,030 $ 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 $ 152,195 $ 142,974
Total risk-based capital, actual, ratio 0.1258 0.1204
Total risk-based capital for capital adequacy purposes, amount $ 96,820 $ 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 $ 127,076 $ 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 $ 121,025 $ 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 $ 137,739 $ 128,130
Tier 1 risk-based capital, actual, ratio 0.1138 0.1079
Tier 1 risk-based capital for capital adequacy purposes, amount $ 72,615 $ 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 $ 102,871 $ 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 $ 96,820 $ 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 $ 137,739 $ 128,130
Tier 1 leverage, actual, ratio 0.1079 0.1009
Tier 1 leverage for capital adequacy purposes, amount $ 51,052 $ 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 $ 51,052 $ 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 $ 63,815 $ 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 $ 137,739 $ 128,130
Common equity Tier 1, actual ratio 0.1138 0.1079
Common equity Tier 1 for capital adequacy purposes, amount $ 54,461 $ 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 $ 84,717 $ 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 $ 78,666 $ 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 $ 251,030 $ 243,106
Total risk-based capital, actual, ratio 0.1258 0.1224
Total risk-based capital for capital adequacy purposes, amount $ 159,629 $ 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 $ 209,513 $ 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 $ 199,536 $ 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 $ 228,770 $ 218,647
Tier 1 risk-based capital, actual, ratio 0.1147 0.1101
Tier 1 risk-based capital for capital adequacy purposes, amount $ 119,721 $ 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 $ 169,605 $ 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 $ 159,629 $ 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 $ 228,770 $ 218,647
Tier 1 leverage, actual, ratio 0.1126 0.1090
Tier 1 leverage for capital adequacy purposes, amount $ 81,302 $ 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 $ 81,302 $ 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 $ 101,627 $ 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 $ 228,770 $ 218,647
Common equity Tier 1, actual ratio 0.1147 0.1101
Common equity Tier 1 for capital adequacy purposes, amount $ 89,791 $ 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 $ 139,675 $ 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 $ 129,698 $ 129,109
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio 6.50% 6.50%