Bank of Lindsay: 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%.
Retained earnings rose 5.1% from Q1 2026 to Q2 2026, ending at $3.4M against $3.3M. It was the largest change among the key lines on this page. On CET1 ratio, Bank of Lindsay is 5th from the bottom among 57 Nebraska banks, 11.04% (Q2 2026). The median for banks in the < $100M asset tier is 19.57% on CET1 ratio. Bank of Lindsay sits 8.52 points lower, at 11.04% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.04% |
| Tier 1 risk-based capital ratio | 11.04% |
| Total risk-based capital ratio | 11.92% |
| Tier 1 leverage ratio | 10.09% |
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 | $9.7M |
| Tier 1 capital | $9.7M |
| Total risk-based capital | $10.5M |
| Total equity capital | $9.4M |
| Risk-weighted assets | $87.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.58% |
| Tangible equity to tangible assets | 9.58% |
| Equity capital to average assets | 9.76% |
| Internal capital growth rate | 7.17% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $6.1M |
| Retained earnings | $3.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$316K |
| 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 | 11.52% | 11.52% | 12.47% | 11.80% | $81.0M |
| Q4 2023 | 10.72% | 10.72% | 11.61% | 10.39% | $86.9M |
| Q1 2024 | 11.21% | 11.21% | 12.17% | 10.27% | $80.7M |
| Q2 2024 | 10.86% | 10.86% | 11.77% | 10.28% | $84.8M |
| Q3 2024 | 10.60% | 10.60% | 11.47% | 10.25% | $88.5M |
| Q4 2024 | 9.86% | 9.86% | 10.66% | 9.63% | $96.1M |
| Q1 2025 | 10.49% | 10.49% | 11.39% | 9.59% | $86.2M |
| Q2 2025 | 11.31% | 11.31% | 12.26% | 9.87% | $81.3M |
| Q3 2025 | 10.16% | 10.16% | 10.99% | 10.01% | $92.3M |
| Q4 2025 | 10.68% | 10.68% | 11.53% | 9.86% | $90.5M |
| Q1 2026 | 10.94% | 10.94% | 11.83% | 9.73% | $87.1M |
| Q2 2026 | 11.04% | 11.04% | 11.92% | 10.09% | $87.8M |
Bank of Lindsay regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Lindsay, 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 Lindsay profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19087) · FFIEC NIC profile (RSSD 111157)