Bank of Iberia: 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%.
In Q2 2026, Total risk-based capital ratio edged up by 0.47 percentage points, from 16.86% to 17.33%, the largest move among the key lines here. Within Missouri, Bank of Iberia is 30th of 98 on CET1 ratio, 16.16% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 19.57% on CET1 ratio. Bank of Iberia sits 3.41 points lower, at 16.16% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.16% |
| Tier 1 risk-based capital ratio | 16.16% |
| Total risk-based capital ratio | 17.33% |
| Tier 1 leverage ratio | 9.13% |
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 | $6.7M |
| Tier 1 capital | $6.7M |
| Total risk-based capital | $7.2M |
| Total equity capital | $6.5M |
| Risk-weighted assets | $41.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.77% |
| Tangible equity to tangible assets | 8.77% |
| Equity capital to average assets | 8.84% |
| Internal capital growth rate | 6.06% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $290K |
| Common stock surplus | $1.5M |
| Retained earnings | $4.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$208K |
| 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 | 14.40% | 14.40% | 15.65% | 8.67% | $40.1M |
| Q4 2023 | 14.58% | 14.58% | 15.83% | 8.67% | $39.6M |
| Q1 2024 | 14.75% | 14.75% | 16.00% | 8.73% | $39.3M |
| Q2 2024 | 14.34% | 14.34% | 15.59% | 8.77% | $41.1M |
| Q3 2024 | 14.38% | 14.38% | 15.63% | 8.92% | $41.8M |
| Q4 2024 | 14.68% | 14.68% | 15.93% | 8.89% | $41.2M |
| Q1 2025 | 14.91% | 14.91% | 16.16% | 9.03% | $41.3M |
| Q2 2025 | 15.05% | 15.05% | 16.29% | 8.97% | $41.7M |
| Q3 2025 | 15.54% | 15.54% | 16.78% | 9.06% | $41.2M |
| Q4 2025 | 15.66% | 15.66% | 16.89% | 9.08% | $41.3M |
| Q1 2026 | 15.71% | 15.71% | 16.86% | 9.18% | $42.0M |
| Q2 2026 | 16.16% | 16.16% | 17.33% | 9.13% | $41.4M |
Bank of Iberia regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Iberia, 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 Iberia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8584) · FFIEC NIC profile (RSSD 790150)