American State 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%.
In Q2 2026, Equity capital to total assets edged up by 0.23 percentage points, from 10.76% to 11.00%, the largest move among the key lines here. Within Iowa, American State Bank is 90th of 114 on CET1 ratio, 11.78% as of Q2 2026, below the middle of the field. American State Bank reported 11.78% on CET1 ratio for Q2 2026, 1.70 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.78% |
| Tier 1 risk-based capital ratio | 11.78% |
| Total risk-based capital ratio | 13.03% |
| Tier 1 leverage ratio | 10.81% |
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 | $157.6M |
| Tier 1 capital | $157.6M |
| Total risk-based capital | $174.3M |
| Total equity capital | $159.2M |
| Risk-weighted assets | $1.34B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.00% |
| Tangible equity to tangible assets | 10.88% |
| Equity capital to average assets | 10.91% |
| Internal capital growth rate | 5.73% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $740K |
| Common stock surplus | $14.4M |
| Retained earnings | $144.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$204K |
| 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 | 11.71% | 11.71% | 12.86% | 10.17% | $1.14B |
| Q4 2023 | 11.43% | 11.43% | 12.55% | 10.36% | $1.20B |
| Q1 2024 | 11.26% | 11.26% | 12.39% | 10.23% | $1.24B |
| Q2 2024 | 10.75% | 10.75% | 11.83% | 9.95% | $1.31B |
| Q3 2024 | 11.09% | 11.09% | 12.17% | 10.05% | $1.30B |
| Q4 2024 | 11.14% | 11.14% | 12.19% | 9.94% | $1.31B |
| Q1 2025 | 11.15% | 11.15% | 12.28% | 10.08% | $1.33B |
| Q2 2025 | 10.96% | 10.96% | 12.21% | 10.08% | $1.35B |
| Q3 2025 | 11.17% | 11.17% | 12.29% | 10.13% | $1.35B |
| Q4 2025 | 11.62% | 11.62% | 12.67% | 10.24% | $1.34B |
| Q1 2026 | 11.73% | 11.73% | 12.96% | 10.63% | $1.32B |
| Q2 2026 | 11.78% | 11.78% | 13.03% | 10.81% | $1.34B |
American State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock American State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 228) · FFIEC NIC profile (RSSD 735441)