Apple River 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%.
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.
Equity capital to total assets fell 0.37 percentage points from Q1 2026 to Q2 2026, ending at 7.78% against 8.16%. It was the largest change among the key lines on this page. Within Illinois, Apple River State Bank is 104th of 198 on CET1 ratio, 14.75% as of Q2 2026. At 14.75%, Apple River State Bank's CET1 ratio is close to the 15.08% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.75% |
| Tier 1 risk-based capital ratio | 14.75% |
| Total risk-based capital ratio | 15.64% |
| Tier 1 leverage ratio | 9.74% |
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 | $64.4M |
| Tier 1 capital | $64.4M |
| Total risk-based capital | $68.3M |
| Total equity capital | $52.6M |
| Risk-weighted assets | $436.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.78% |
| Tangible equity to tangible assets | 7.78% |
| Equity capital to average assets | 7.95% |
| Internal capital growth rate | 14.91% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $75K |
| Common stock surplus | $4.7M |
| Retained earnings | $59.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.8M |
| 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 | 14.20% | 14.20% | 15.01% | 8.92% | $362.6M |
| Q4 2023 | 14.00% | 14.00% | 14.84% | 9.07% | $372.9M |
| Q1 2024 | 14.15% | 14.15% | 14.99% | 9.23% | $373.2M |
| Q2 2024 | 13.80% | 13.80% | 14.64% | 9.22% | $388.2M |
| Q3 2024 | 14.11% | 14.11% | 14.95% | 9.13% | $388.3M |
| Q4 2024 | 13.75% | 13.75% | 14.59% | 9.05% | $404.5M |
| Q1 2025 | 13.97% | 13.97% | 14.82% | 9.24% | $408.5M |
| Q2 2025 | 14.15% | 14.15% | 15.02% | 9.26% | $414.6M |
| Q3 2025 | 14.23% | 14.23% | 15.11% | 9.33% | $424.1M |
| Q4 2025 | 14.20% | 14.20% | 15.09% | 9.30% | $427.7M |
| Q1 2026 | 14.59% | 14.59% | 15.49% | 9.62% | $428.2M |
| Q2 2026 | 14.75% | 14.75% | 15.64% | 9.74% | $436.4M |
Apple River State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Apple River 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 Apple River State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17453) · FFIEC NIC profile (RSSD 594938)