American Eagle 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%.
Retained earnings dropped 16.9% in Q2 2026, from $14.9M to $12.4M. It was the largest change from Q1 2026 among the key lines here. On CET1 ratio, American Eagle Bank is 1st from the bottom among 198 Illinois banks, 9.49% (Q2 2026). American Eagle Bank reported 9.49% on CET1 ratio for Q2 2026, 5.60 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 9.49% |
| Tier 1 risk-based capital ratio | 9.49% |
| Total risk-based capital ratio | 9.75% |
| Tier 1 leverage ratio | 8.53% |
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 | $40.7M |
| Tier 1 capital | $40.7M |
| Total risk-based capital | $41.8M |
| Total equity capital | $40.7M |
| Risk-weighted assets | $428.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.40% |
| Tangible equity to tangible assets | 8.40% |
| Equity capital to average assets | 8.53% |
| Internal capital growth rate | -23.41% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $10K |
| Common stock surplus | $28.3M |
| Retained earnings | $12.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 10.76% | 10.76% | 11.25% | 9.04% | $366.7M |
| Q4 2023 | 10.61% | 10.61% | 11.03% | 9.14% | $372.1M |
| Q1 2024 | 10.74% | 10.74% | 11.14% | 9.26% | $371.6M |
| Q2 2024 | 10.61% | 10.61% | 10.99% | 9.31% | $376.7M |
| Q3 2024 | 10.35% | 10.35% | 10.71% | 9.08% | $387.7M |
| Q4 2024 | 10.20% | 10.20% | 10.54% | 8.83% | $400.2M |
| Q1 2025 | 10.23% | 10.23% | 10.55% | 9.07% | $417.4M |
| Q2 2025 | 10.54% | 10.54% | 10.85% | 8.90% | $403.9M |
| Q3 2025 | 10.23% | 10.23% | 10.52% | 9.01% | $419.6M |
| Q4 2025 | 10.31% | 10.31% | 10.59% | 8.89% | $418.0M |
| Q1 2026 | 10.23% | 10.23% | 10.51% | 8.95% | $422.4M |
| Q2 2026 | 9.49% | 9.49% | 9.75% | 8.53% | $428.9M |
American Eagle Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock American Eagle 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 American Eagle Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57359) · FFIEC NIC profile (RSSD 3116519)