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Note 10 - REGULATORY CAPITAL REQUIREMENTS - Capital Requirements (Details)
$ in Thousands
Mar. 31, 2024
USD ($)
Dec. 31, 2023
USD ($)
Total risk-based capital, actual, amount $ 1,181,827 $ 1,171,047
Total risk-based capital, actual, ratio 0.1430 0.1429
Total risk-based capital for capital adequacy purposes, amount $ 660,989 $ 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 $ 867,548 $ 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 $ 826,237 $ 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 $ 867,778 $ 841,052
Tier 1 risk-based capital, actual, ratio 0.1050 0.1027
Tier 1 risk-based capital for capital adequacy purposes, amount $ 495,742 $ 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 $ 702,301 $ 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 $ 660,989 $ 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 $ 867,778 $ 841,052
Tier 1 leverage, actual, ratio 0.1033 0.1003
Tier 1 leverage for capital adequacy purposes, amount $ 336,048 $ 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 $ 336,048 $ 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 $ 420,060 $ 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 $ 819,015 $ 792,321
Common equity Tier 1, actual ratio 0.0991 0.0967
Common equity Tier 1 for capital adequacy purposes, amount $ 371,806 $ 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 $ 578,366 $ 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 $ 537,054 $ 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 $ 305,569 $ 300,413
Total risk-based capital, actual, ratio 0.1277 0.1267
Total risk-based capital for capital adequacy purposes, amount $ 191,391 $ 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 $ 251,201 $ 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 $ 239,239 $ 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 $ 275,648 $ 270,744
Tier 1 risk-based capital, actual, ratio 0.1152 0.1142
Tier 1 risk-based capital for capital adequacy purposes, amount $ 143,543 $ 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 $ 203,353 $ 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 $ 191,391 $ 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 $ 275,648 $ 270,744
Tier 1 leverage, actual, ratio 0.1115 0.1123
Tier 1 leverage for capital adequacy purposes, amount $ 98,876 $ 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 $ 98,876 $ 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 $ 123,596 $ 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 $ 275,648 $ 270,744
Common equity Tier 1, actual ratio 0.1152 0.1142
Common equity Tier 1 for capital adequacy purposes, amount $ 107,658 $ 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 $ 167,467 $ 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 $ 155,505 $ 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 $ 398,654 $ 381,514
Total risk-based capital, actual, ratio 0.1553 0.1560
Total risk-based capital for capital adequacy purposes, amount $ 205,302 $ 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 $ 269,458 $ 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 $ 256,627 $ 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 $ 373,281 $ 354,940
Tier 1 risk-based capital, actual, ratio 0.1455 0.1451
Tier 1 risk-based capital for capital adequacy purposes, amount $ 153,976 $ 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 $ 218,133 $ 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 $ 205,302 $ 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 $ 373,281 $ 354,940
Tier 1 leverage, actual, ratio 0.1601 0.1477
Tier 1 leverage for capital adequacy purposes, amount $ 93,236 $ 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 $ 93,236 $ 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 $ 116,545 $ 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 $ 373,281 $ 354,940
Common equity Tier 1, actual ratio 0.1455 0.1451
Common equity Tier 1 for capital adequacy purposes, amount $ 115,482 $ 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 $ 179,639 $ 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 $ 166,808 $ 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 $ 175,056 $ 171,747
Total risk-based capital, actual, ratio 0.1281 0.1322
Total risk-based capital for capital adequacy purposes, amount $ 109,305 $ 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 $ 143,463 $ 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 $ 136,631 $ 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 $ 160,919 $ 156,629
Tier 1 risk-based capital, actual, ratio 0.1178 0.1206
Tier 1 risk-based capital for capital adequacy purposes, amount $ 81,979 $ 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 $ 116,136 $ 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 $ 109,305 $ 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 $ 160,919 $ 156,629
Tier 1 leverage, actual, ratio 0.1131 0.1119
Tier 1 leverage for capital adequacy purposes, amount $ 56,930 $ 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 $ 56,930 $ 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 $ 71,162 $ 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 $ 160,919 $ 156,629
Common equity Tier 1, actual ratio 0.1178 0.1206
Common equity Tier 1 for capital adequacy purposes, amount $ 61,484 $ 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 $ 95,642 $ 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 $ 88,810 $ 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 $ 273,124 $ 267,822
Total risk-based capital, actual, ratio 0.1311 0.1268
Total risk-based capital for capital adequacy purposes, amount $ 166,624 $ 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 $ 218,694 $ 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 $ 208,280 $ 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 $ 249,998 $ 244,506
Tier 1 risk-based capital, actual, ratio 0.1200 0.1158
Tier 1 risk-based capital for capital adequacy purposes, amount $ 124,968 $ 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 $ 177,038 $ 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 $ 166,624 $ 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 $ 249,998 $ 244,506
Tier 1 leverage, actual, ratio 0.1151 0.1141
Tier 1 leverage for capital adequacy purposes, amount $ 86,845 $ 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 $ 86,845 $ 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 $ 108,556 $ 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 $ 249,998 $ 244,506
Common equity Tier 1, actual ratio 0.1200 0.1158
Common equity Tier 1 for capital adequacy purposes, amount $ 93,726 $ 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 $ 145,796 $ 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 $ 135,382 $ 137,286
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio 6.50% 6.50%