Bank of Belleville: 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 Retained earnings: 8.4% higher than in Q1 2026, at $20.3M. Within Illinois, Bank of Belleville is 170th of 198 on CET1 ratio, 11.16% as of Q2 2026, below the middle of the field. Bank of Belleville reported 11.16% on CET1 ratio for Q2 2026, 3.91 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.16% |
| Tier 1 risk-based capital ratio | 11.16% |
| Total risk-based capital ratio | 12.13% |
| Tier 1 leverage ratio | 8.37% |
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 | $46.2M |
| Tier 1 capital | $46.2M |
| Total risk-based capital | $50.2M |
| Total equity capital | $40.4M |
| Risk-weighted assets | $413.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.18% |
| Tangible equity to tangible assets | 7.18% |
| Equity capital to average assets | 7.32% |
| Internal capital growth rate | 16.06% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.9M |
| Common stock surplus | $22.0M |
| Retained earnings | $20.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.8M |
| 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 | 10.36% | 10.36% | 11.33% | 8.07% | $346.3M |
| Q4 2023 | 10.50% | 10.50% | 11.51% | 7.98% | $342.1M |
| Q1 2024 | 10.69% | 10.69% | 11.69% | 8.13% | $347.1M |
| Q2 2024 | 10.48% | 10.48% | 11.46% | 8.04% | $356.2M |
| Q3 2024 | 10.51% | 10.51% | 11.46% | 7.78% | $360.8M |
| Q4 2024 | 10.61% | 10.61% | 11.50% | 8.10% | $369.4M |
| Q1 2025 | 10.63% | 10.63% | 11.53% | 8.07% | $371.2M |
| Q2 2025 | 10.53% | 10.53% | 11.52% | 8.09% | $379.7M |
| Q3 2025 | 10.35% | 10.35% | 11.33% | 7.87% | $395.9M |
| Q4 2025 | 10.99% | 10.99% | 11.95% | 8.07% | $395.1M |
| Q1 2026 | 11.15% | 11.15% | 12.12% | 8.13% | $400.2M |
| Q2 2026 | 11.16% | 11.16% | 12.13% | 8.37% | $413.8M |
Bank of Belleville regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Belleville, 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 of Belleville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58114) · FFIEC NIC profile (RSSD 3374403)