Availa 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%.
Compared with Q1 2026, Accumulated other comprehensive income fell 2.9% in Q2 2026 to -$29.0M, the biggest move on this page. Within Iowa, Availa Bank is 77th of 114 on CET1 ratio, 12.55% as of Q2 2026, below the middle of the field. Availa Bank reported 12.55% on CET1 ratio for Q2 2026, 0.93 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 | 12.55% |
| Tier 1 risk-based capital ratio | 12.55% |
| Total risk-based capital ratio | 13.66% |
| Tier 1 leverage ratio | 9.33% |
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 | $162.6M |
| Tier 1 capital | $162.6M |
| Total risk-based capital | $177.0M |
| Total equity capital | $156.1M |
| Risk-weighted assets | $1.30B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.01% |
| Tangible equity to tangible assets | 7.81% |
| Equity capital to average assets | 8.84% |
| Internal capital growth rate | 6.92% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $590K |
| Common stock surplus | $54.4M |
| Retained earnings | $130.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$29.0M |
| 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 | — | — | — | 9.32% | — |
| Q4 2023 | 11.85% | 11.85% | 12.76% | 8.89% | $1.23B |
| Q1 2024 | 11.97% | 11.97% | 12.90% | 9.06% | $1.22B |
| Q2 2024 | 12.09% | 12.09% | 13.03% | 9.09% | $1.22B |
| Q3 2024 | 12.34% | 12.34% | 13.30% | 8.98% | $1.20B |
| Q4 2024 | 12.02% | 12.02% | 12.99% | 9.01% | $1.25B |
| Q1 2025 | 12.24% | 12.24% | 13.28% | 9.16% | $1.23B |
| Q2 2025 | 12.01% | 12.01% | 13.05% | 9.17% | $1.27B |
| Q3 2025 | 12.14% | 12.14% | 13.20% | 9.26% | $1.27B |
| Q4 2025 | 12.11% | 12.11% | 13.16% | 9.35% | $1.30B |
| Q1 2026 | 12.12% | 12.12% | 13.27% | 9.32% | $1.32B |
| Q2 2026 | 12.55% | 12.55% | 13.66% | 9.33% | $1.30B |
Availa Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Availa 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 Availa Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11771) · FFIEC NIC profile (RSSD 859141)