Audubon 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.
The standout move of Q2 2026 was in Equity capital to total assets: 1.10 percentage points higher than in Q1 2026, at 12.36%. Within Iowa, Audubon State Bank is 49th of 114 on CET1 ratio, 14.41% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Audubon State Bank sits 0.67 points lower, at 14.41% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.41% |
| Tier 1 risk-based capital ratio | 14.41% |
| Total risk-based capital ratio | 15.57% |
| Tier 1 leverage ratio | 10.46% |
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 | $16.9M |
| Tier 1 capital | $16.9M |
| Total risk-based capital | $18.2M |
| Total equity capital | $19.2M |
| Risk-weighted assets | $117.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.36% |
| Tangible equity to tangible assets | 10.96% |
| Equity capital to average assets | 11.75% |
| Internal capital growth rate | 9.02% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $12.1M |
| Retained earnings | $6.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$97K |
| 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 | 12.74% | 12.74% | 13.80% | 9.58% | $103.5M |
| Q4 2023 | 12.82% | 12.82% | 13.86% | 9.94% | $105.4M |
| Q1 2024 | 13.45% | 13.45% | 14.51% | 10.22% | $102.8M |
| Q2 2024 | 13.75% | 13.75% | 14.84% | 10.30% | $103.0M |
| Q3 2024 | 12.75% | 12.75% | 13.73% | 10.38% | $114.4M |
| Q4 2024 | 12.57% | 12.57% | 13.59% | 9.96% | $119.0M |
| Q1 2025 | 13.89% | 13.89% | 14.97% | 9.64% | $109.9M |
| Q2 2025 | 13.53% | 13.53% | 14.55% | 10.17% | $115.8M |
| Q3 2025 | 13.20% | 13.20% | 14.24% | 10.39% | $122.5M |
| Q4 2025 | 13.04% | 13.04% | 14.13% | 9.84% | $123.7M |
| Q1 2026 | 13.99% | 13.99% | 15.15% | 10.13% | $117.4M |
| Q2 2026 | 14.41% | 14.41% | 15.57% | 10.46% | $117.0M |
Audubon State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Audubon 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 Audubon State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5814) · FFIEC NIC profile (RSSD 760649)