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Regulatory Capital Requirements (Tables)
 6 Months Ended
Jun. 30, 2022
Banking and Thrift, Interest [Abstract]  
Schedule of Capital Amounts and Ratios

The Company’s and the Bank’s capital amounts and ratios as of June 30, 2022 and December 31, 2021 are presented in the following table (dollars in thousands).

 

 

 

Actual

 

 

Minimum capital
requirement (1)

 

 

Minimum to be
well-capitalized (2)

 

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

At June 30, 2022:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total capital to risk-weighted assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CapStar Financial Holdings, Inc.

 

$

396,660

 

 

 

14.79

%

 

$

214,487

 

 

 

8.0

%

 

N/A

 

 

N/A

 

CapStar Bank

 

 

384,194

 

 

 

14.34

 

 

 

214,387

 

 

 

8.0

 

 

$

267,983

 

 

 

10

%

Tier I capital to risk-weighted assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CapStar Financial Holdings, Inc.

 

 

345,058

 

 

 

12.87

 

 

 

160,865

 

 

 

6.0

 

 

N/A

 

 

N/A

 

CapStar Bank

 

 

362,191

 

 

 

13.52

 

 

 

160,790

 

 

 

6.0

 

 

 

214,387

 

 

 

8.00

 

Common equity Tier 1 capital to risk weighted
   assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CapStar Financial Holdings, Inc.

 

 

345,058

 

 

 

12.87

 

 

 

120,649

 

 

 

4.5

 

 

N/A

 

 

N/A

 

CapStar Bank

 

 

345,691

 

 

 

12.90

 

 

 

120,592

 

 

 

4.5

 

 

 

174,189

 

 

 

6.50

 

Tier I capital to average assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CapStar Financial Holdings, Inc.

 

 

345,058

 

 

 

11.10

 

 

 

124,395

 

 

 

4.0

 

 

N/A

 

 

N/A

 

CapStar Bank

 

 

362,191

 

 

 

11.66

 

 

 

124,276

 

 

 

4.0

 

 

 

155,345

 

 

 

5.00

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At December 31, 2021:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total capital to risk-weighted assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CapStar Financial Holdings, Inc.

 

$

384,116

 

 

 

16.29

%

 

$

188,610

 

 

 

8.0

%

 

N/A

 

 

N/A

 

CapStar Bank

 

 

370,919

 

 

 

15.74

 

 

 

188,471

 

 

 

8.0

 

 

$

235,589

 

 

 

10.0

 

Tier I capital to risk-weighted assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CapStar Financial Holdings, Inc.

 

 

332,567

 

 

 

14.11

 

 

 

141,458

 

 

 

6.0

 

 

N/A

 

 

N/A

 

CapStar Bank

 

 

348,902

 

 

 

14.81

 

 

 

141,354

 

 

 

6.0

 

 

 

188,471

 

 

 

8.0

 

Common equity Tier 1 capital to risk weighted
   assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CapStar Financial Holdings, Inc.

 

 

332,567

 

 

 

14.11

 

 

 

106,093

 

 

 

4.5

 

 

N/A

 

 

N/A

 

CapStar Bank

 

 

332,402

 

 

 

14.11

 

 

 

106,015

 

 

 

4.5

 

 

 

153,133

 

 

 

6.5

 

Tier I capital to average assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CapStar Financial Holdings, Inc.

 

 

332,567

 

 

 

10.69

 

 

 

124,437

 

 

 

4.0

 

 

N/A

 

 

N/A

 

CapStar Bank

 

 

348,902

 

 

 

11.23

 

 

 

124,246

 

 

 

4.0

 

 

 

155,308

 

 

 

5.0

 

 

(1) For the calendar year 2022, the Company must maintain a capital conservation buffer of Tier 1 common equity capital in excess of minimum risk-based capital ratios by at least 2.5% to avoid limits on capital distributions and certain discretionary bonus payments to executive officers and similar employees.

(2) For the Company to be well-capitalized, the Bank must be well-capitalized and the Company must not be subject to any written agreement, order, capital directive, or prompt corrective action directive issued by the Federal Reserve to meet and maintain a specific capital level for any capital measure.