Bank Independent: 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%.
Accumulated other comprehensive income dropped 14.2% in Q2 2026, from -$9.6M to -$10.9M. It was the largest change from Q1 2026 among the key lines here. Bank Independent ranks 22nd of 36 Alabama banks on CET1 ratio, in the lower half at 13.22% (Q2 2026). At 13.22%, Bank Independent's CET1 ratio is close to the 13.48% median for banks in the $1B-10B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.22% |
| Tier 1 risk-based capital ratio | 13.22% |
| Total risk-based capital ratio | 14.42% |
| Tier 1 leverage ratio | 9.82% |
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 | $284.1M |
| Tier 1 capital | $284.1M |
| Total risk-based capital | $310.0M |
| Total equity capital | $292.2M |
| Risk-weighted assets | $2.15B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.21% |
| Tangible equity to tangible assets | 9.46% |
| Equity capital to average assets | 10.04% |
| Internal capital growth rate | 0.09% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $592K |
| Common stock surplus | $127.4M |
| Retained earnings | $175.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.9M |
| 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 | 10.32% | 10.32% | 11.38% | 8.46% | $2.05B |
| Q4 2023 | 10.65% | 10.65% | 11.76% | 8.40% | $2.03B |
| Q1 2024 | 10.63% | 10.63% | 11.77% | 8.15% | $2.07B |
| Q2 2024 | 10.78% | 10.78% | 11.94% | 8.28% | $2.08B |
| Q3 2024 | 10.71% | 10.71% | 11.84% | 8.44% | $2.14B |
| Q4 2024 | 11.23% | 11.23% | 12.37% | 8.49% | $2.08B |
| Q1 2025 | 10.93% | 10.93% | 12.05% | 8.61% | $2.18B |
| Q2 2025 | 11.28% | 11.28% | 12.44% | 8.81% | $2.16B |
| Q3 2025 | 11.66% | 11.66% | 12.86% | 8.75% | $2.13B |
| Q4 2025 | 12.09% | 12.09% | 13.32% | 8.73% | $2.10B |
| Q1 2026 | 13.19% | 13.19% | 14.31% | 9.53% | $2.15B |
| Q2 2026 | 13.22% | 13.22% | 14.42% | 9.82% | $2.15B |
Bank Independent regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank Independent, 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 Bank Independent profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16604) · FFIEC NIC profile (RSSD 539032)