Alliant 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%.
Equity capital to total assets rose 0.45 percentage points from Q1 2026 to Q2 2026, ending at 8.94% against 8.49%. It was the largest change among the key lines on this page. Alliant Bank ranks 64th of 98 Missouri banks on CET1 ratio, in the lower half at 12.40% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Alliant Bank sits 2.67 points lower, at 12.40% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.40% |
| Tier 1 risk-based capital ratio | 12.40% |
| Total risk-based capital ratio | 13.65% |
| Tier 1 leverage ratio | 9.03% |
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 | $23.3M |
| Tier 1 capital | $23.3M |
| Total risk-based capital | $25.6M |
| Total equity capital | $22.9M |
| Risk-weighted assets | $187.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.94% |
| Tangible equity to tangible assets | 8.94% |
| Equity capital to average assets | 8.89% |
| Internal capital growth rate | 8.67% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $6.4M |
| Retained earnings | $16.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$362K |
| 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 | 14.06% | 14.06% | 15.31% | 9.91% | $146.8M |
| Q4 2023 | 14.18% | 14.18% | 15.43% | 10.09% | $146.6M |
| Q1 2024 | 13.92% | 13.92% | 15.18% | 10.10% | $151.4M |
| Q2 2024 | 13.65% | 13.65% | 14.90% | 10.01% | $156.7M |
| Q3 2024 | 12.95% | 12.95% | 14.20% | 9.46% | $166.5M |
| Q4 2024 | 12.85% | 12.85% | 14.10% | 8.97% | $168.6M |
| Q1 2025 | 12.31% | 12.31% | 13.57% | 8.96% | $177.7M |
| Q2 2025 | 12.16% | 12.16% | 13.41% | 8.85% | $181.7M |
| Q3 2025 | 12.44% | 12.44% | 13.69% | 8.67% | $178.8M |
| Q4 2025 | 11.81% | 11.81% | 13.06% | 8.35% | $187.3M |
| Q1 2026 | 12.35% | 12.35% | 13.60% | 8.62% | $184.6M |
| Q2 2026 | 12.40% | 12.40% | 13.65% | 9.03% | $187.8M |
Alliant Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Alliant 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 Alliant Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1946) · FFIEC NIC profile (RSSD 35057)