Bank Iowa: 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: 16.9% higher than in Q1 2026, at -$24.4M. On CET1 ratio, Bank Iowa is 11th from the bottom among 114 Iowa banks, 10.87% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Bank Iowa sits 2.61 points lower, at 10.87% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.87% |
| Tier 1 risk-based capital ratio | 10.87% |
| Total risk-based capital ratio | 12.10% |
| Tier 1 leverage ratio | 8.94% |
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 | $216.9M |
| Tier 1 capital | $216.9M |
| Total risk-based capital | $241.3M |
| Total equity capital | $203.1M |
| Risk-weighted assets | $1.99B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.65% |
| Tangible equity to tangible assets | 8.23% |
| Equity capital to average assets | 8.33% |
| Internal capital growth rate | 12.11% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $540K |
| Common stock surplus | $56.2M |
| Retained earnings | $170.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$24.4M |
| 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 | 10.52% | 10.52% | 11.75% | 8.91% | $1.73B |
| Q4 2023 | 10.32% | 10.32% | 11.51% | 8.88% | $1.79B |
| Q1 2024 | 10.69% | 10.69% | 11.93% | 8.82% | $1.75B |
| Q2 2024 | 10.59% | 10.59% | 11.82% | 8.74% | $1.77B |
| Q3 2024 | 10.63% | 10.63% | 11.83% | 8.80% | $1.81B |
| Q4 2024 | 10.30% | 10.30% | 11.46% | 8.87% | $1.88B |
| Q1 2025 | 10.60% | 10.60% | 11.79% | 9.10% | $1.87B |
| Q2 2025 | 10.63% | 10.63% | 11.84% | 8.96% | $1.86B |
| Q3 2025 | 10.49% | 10.49% | 11.68% | 8.67% | $1.94B |
| Q4 2025 | 10.55% | 10.55% | 11.75% | 8.71% | $1.98B |
| Q1 2026 | 10.49% | 10.49% | 11.69% | 8.85% | $2.01B |
| Q2 2026 | 10.87% | 10.87% | 12.10% | 8.94% | $1.99B |
Bank Iowa regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank Iowa, 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 Iowa profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14521) · FFIEC NIC profile (RSSD 187947)