THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and affords protection for accountholders when a bank is struggling financially. It follows then that when it comes to measuring an a bank's financial fortitude, capital is valuable. When looking at safety and soundness, the higher the capital, the better.
On our test to measure capital adequacy, CenterState Bank, National Association received a score of 10 out of a possible 30 points, below the national average of 13.38.
A bank's Tier 1 capital ratio is a commonly used measure of this buffer. CenterState Bank, National Association's Tier 1 capital ratio was 11.44 percent, above the 6 percent level considered adequate by regulators, but lower than the national average of 25.16 percent. The higher the capital ratio, the better the bank will be able to stand up to economic difficulties.
Overall, CenterState Bank, National Association held equity amounting to 13.19 percent of its assets, which exceeded the national average of 12.10 percent.