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Note 9 - REGULATORY CAPITAL REQUIREMENTS - Capital Requirements (Details)
$ in Thousands
Sep. 30, 2023
USD ($)
Dec. 31, 2022
USD ($)
Total risk-based capital, actual, amount $ 1,135,262 $ 1,055,177
Total risk-based capital, actual, ratio 0.1454 0.1428
Total risk-based capital for capital adequacy purposes, amount $ 624,805 $ 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 $ 820,057 $ 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 $ 781,007 $ 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 $ 807,582 $ 734,977
Tier 1 risk-based capital, actual, ratio 0.1034 0.0995
Tier 1 risk-based capital for capital adequacy purposes, amount $ 468,604 $ 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 $ 663,856 $ 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 $ 624,805 $ 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 $ 807,582 $ 734,977
Tier 1 leverage, actual, ratio 0.0992 0.0961
Tier 1 leverage for capital adequacy purposes, amount $ 325,480 $ 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 $ 325,480 $ 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 $ 406,850 $ 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 $ 758,884 $ 686,375
Common equity Tier 1, actual ratio 0.0972 0.0929
Common equity Tier 1 for capital adequacy purposes, amount $ 351,453 $ 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 $ 546,705 $ 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 $ 507,654 $ 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 $ 295,319 $ 275,337
Total risk-based capital, actual, ratio 0.1290 0.1307
Total risk-based capital for capital adequacy purposes, amount $ 183,095 $ 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 $ 240,313 $ 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 $ 228,869 $ 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 $ 266,688 $ 248,978
Tier 1 risk-based capital, actual, ratio 0.1165 0.1181
Tier 1 risk-based capital for capital adequacy purposes, amount $ 137,321 $ 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 $ 194,539 $ 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 $ 183,095 $ 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 $ 266,688 $ 248,978
Tier 1 leverage, actual, ratio 0.1110 0.1101
Tier 1 leverage for capital adequacy purposes, amount $ 96,111 $ 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 $ 96,111 $ 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 $ 120,139 $ 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 $ 266,688 $ 248,978
Common equity Tier 1, actual ratio 0.1165 0.1181
Common equity Tier 1 for capital adequacy purposes, amount $ 102,991 $ 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 $ 160,208 $ 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 $ 148,765 $ 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 $ 358,150 $ 308,153
Total risk-based capital, actual, ratio 0.1705 0.1484
Total risk-based capital for capital adequacy purposes, amount $ 168,021 $ 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 $ 220,527 $ 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 $ 210,026 $ 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 $ 331,423 $ 282,258
Tier 1 risk-based capital, actual, ratio 0.1578 0.1359
Tier 1 risk-based capital for capital adequacy purposes, amount $ 126,016 $ 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 $ 178,522 $ 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 $ 168,021 $ 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 $ 331,423 $ 282,258
Tier 1 leverage, actual, ratio 0.1460 0.1317
Tier 1 leverage for capital adequacy purposes, amount $ 90,799 $ 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 $ 90,799 $ 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 $ 113,498 $ 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 $ 331,423 $ 282,258
Common equity Tier 1, actual ratio 0.1578 0.1359
Common equity Tier 1 for capital adequacy purposes, amount $ 94,512 $ 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 $ 147,018 $ 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 $ 136,517 $ 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 $ 177,296 $ 142,974
Total risk-based capital, actual, ratio 0.1357 0.1204
Total risk-based capital for capital adequacy purposes, amount $ 104,554 $ 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 $ 137,227 $ 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 $ 130,693 $ 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 $ 152,596 $ 128,130
Tier 1 risk-based capital, actual, ratio 0.1168 0.1079
Tier 1 risk-based capital for capital adequacy purposes, amount $ 78,416 $ 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 $ 111,089 $ 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 $ 104,554 $ 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 $ 152,596 $ 128,130
Tier 1 leverage, actual, ratio 0.1124 0.1009
Tier 1 leverage for capital adequacy purposes, amount $ 54,303 $ 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 $ 54,303 $ 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 $ 67,879 $ 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 $ 152,596 $ 128,130
Common equity Tier 1, actual ratio 0.1168 0.1079
Common equity Tier 1 for capital adequacy purposes, amount $ 58,812 $ 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 $ 91,485 $ 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 $ 84,950 $ 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 $ 258,732 $ 243,106
Total risk-based capital, actual, ratio 0.1253 0.1224
Total risk-based capital for capital adequacy purposes, amount $ 165,160 $ 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 $ 216,772 $ 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 $ 206,450 $ 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 $ 236,071 $ 218,647
Tier 1 risk-based capital, actual, ratio 0.1143 0.1101
Tier 1 risk-based capital for capital adequacy purposes, amount $ 123,870 $ 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 $ 175,482 $ 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 $ 165,160 $ 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 $ 236,071 $ 218,647
Tier 1 leverage, actual, ratio 0.1122 0.1090
Tier 1 leverage for capital adequacy purposes, amount $ 84,130 $ 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 $ 84,130 $ 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 $ 105,162 $ 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 $ 236,071 $ 218,647
Common equity Tier 1, actual ratio 0.1143 0.1101
Common equity Tier 1 for capital adequacy purposes, amount $ 92,902 $ 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 $ 144,515 $ 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 $ 134,192 $ 129,109
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio 6.50% 6.50%