Ashton 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 11.4% higher than in Q1 2026, at -$1.5M. Ashton State Bank ranks 13th of 114 Iowa banks on CET1 ratio, in the upper half at 19.26% (Q2 2026). The median for banks in the < $100M asset tier is 19.57% on CET1 ratio; Ashton State Bank reported 19.26% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.26% |
| Tier 1 risk-based capital ratio | 19.26% |
| Total risk-based capital ratio | 20.26% |
| Tier 1 leverage ratio | 14.70% |
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 | $8.1M |
| Tier 1 capital | $8.1M |
| Total risk-based capital | $8.5M |
| Total equity capital | $6.6M |
| Risk-weighted assets | $41.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.04% |
| Tangible equity to tangible assets | 12.04% |
| Equity capital to average assets | 11.99% |
| Internal capital growth rate | 3.93% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $1.6M |
| Retained earnings | $6.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.5M |
| 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 | — | — | — | 14.38% | — |
| Q4 2023 | — | — | — | 13.70% | — |
| Q1 2024 | 15.93% | 15.93% | 16.80% | 13.75% | $46.8M |
| Q2 2024 | 15.79% | 15.79% | 16.64% | 13.82% | $47.5M |
| Q3 2024 | 16.01% | 16.01% | 16.87% | 13.69% | $46.9M |
| Q4 2024 | 17.38% | 17.38% | 18.36% | 13.32% | $42.6M |
| Q1 2025 | 15.85% | 15.85% | 16.73% | 13.56% | $47.7M |
| Q2 2025 | — | — | — | 14.14% | — |
| Q3 2025 | 18.93% | 18.93% | 19.92% | 14.76% | $42.2M |
| Q4 2025 | 17.40% | 17.40% | 18.33% | 14.35% | $44.9M |
| Q1 2026 | — | — | — | 14.54% | — |
| Q2 2026 | 19.26% | 19.26% | 20.26% | 14.70% | $41.8M |
Ashton State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Ashton 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 Ashton State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11343) · FFIEC NIC profile (RSSD 821643)