1st Source Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Compared with Q1 2026, Retained earnings rose 2.9% in Q2 2026 to $1.03B, the biggest move on this page. 1st Source Bank ranks 16th of 50 Indiana banks on CET1 ratio, in the upper half at 14.84% (Q2 2026). 1st Source Bank reported 14.84% on CET1 ratio for Q2 2026, 1.34 points above the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.84% |
| Tier 1 risk-based capital ratio | 15.36% |
| Total risk-based capital ratio | 16.62% |
| Tier 1 leverage ratio | 13.72% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $1.22B |
| Tier 1 capital | $1.27B |
| Total risk-based capital | $1.37B |
| Total equity capital | $1.26B |
| Risk-weighted assets | $8.25B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.56% |
| Tangible equity to tangible assets | 12.78% |
| Equity capital to average assets | 13.49% |
| Internal capital growth rate | 9.36% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.8M |
| Common stock surplus | $273.8M |
| Retained earnings | $1.03B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$46.5M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.04% | 13.83% | 15.09% | 12.11% | $7.48B |
| Q4 2023 | 12.93% | 13.95% | 15.21% | 12.34% | $7.68B |
| Q1 2024 | 13.11% | 14.04% | 15.30% | 12.40% | $7.71B |
| Q2 2024 | 13.31% | 14.23% | 15.49% | 12.51% | $7.78B |
| Q3 2024 | 13.71% | 14.63% | 15.89% | 12.88% | $7.73B |
| Q4 2024 | 13.67% | 14.57% | 15.83% | 12.93% | $7.88B |
| Q1 2025 | 14.08% | 14.84% | 16.10% | 13.04% | $7.82B |
| Q2 2025 | 13.96% | 14.69% | 15.95% | 13.18% | $8.05B |
| Q3 2025 | 14.54% | 15.23% | 16.49% | 13.37% | $7.93B |
| Q4 2025 | 14.82% | 15.36% | 16.62% | 13.45% | $7.93B |
| Q1 2026 | 14.75% | 15.28% | 16.54% | 13.76% | $8.10B |
| Q2 2026 | 14.84% | 15.36% | 16.62% | 13.72% | $8.25B |
1st Source Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock 1st Source Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full 1st Source Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9087) · FFIEC NIC profile (RSSD 991340)