Bank of Springfield: 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 largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 3.9% to $153.9M. On CET1 ratio, Bank of Springfield is 18th from the bottom among 198 Illinois banks, 10.72% (Q2 2026). Bank of Springfield reported 10.72% on CET1 ratio for Q2 2026, 2.76 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.72% |
| Tier 1 risk-based capital ratio | 10.72% |
| Total risk-based capital ratio | 11.81% |
| Tier 1 leverage ratio | 9.22% |
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 | $180.5M |
| Tier 1 capital | $180.5M |
| Total risk-based capital | $198.9M |
| Total equity capital | $180.5M |
| Risk-weighted assets | $1.68B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.02% |
| Tangible equity to tangible assets | 8.80% |
| Equity capital to average assets | 9.19% |
| Internal capital growth rate | 13.34% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $901K |
| Common stock surplus | $30.5M |
| Retained earnings | $153.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.8M |
| 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 | 10.27% | 10.27% | 11.31% | 8.80% | $1.29B |
| Q4 2023 | 10.14% | 10.14% | 11.01% | 8.62% | $1.32B |
| Q1 2024 | 10.30% | 10.30% | 11.20% | 8.75% | $1.34B |
| Q2 2024 | 10.23% | 10.23% | 11.15% | 8.73% | $1.38B |
| Q3 2024 | 10.30% | 10.30% | 11.23% | 8.58% | $1.41B |
| Q4 2024 | 10.22% | 10.22% | 11.19% | 8.62% | $1.45B |
| Q1 2025 | 10.33% | 10.33% | 11.30% | 9.01% | $1.48B |
| Q2 2025 | 10.72% | 10.72% | 11.76% | 8.90% | $1.47B |
| Q3 2025 | 10.88% | 10.88% | 11.89% | 8.85% | $1.50B |
| Q4 2025 | 10.92% | 10.92% | 11.87% | 8.95% | $1.55B |
| Q1 2026 | 10.67% | 10.67% | 11.73% | 9.17% | $1.64B |
| Q2 2026 | 10.72% | 10.72% | 11.81% | 9.22% | $1.68B |
Bank of Springfield regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Springfield, 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 Springfield profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19506) · FFIEC NIC profile (RSSD 248240)