Banterra Bank: 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 Subordinated notes and debentures: 100.0% lower than in Q1 2026, at $0. Banterra Bank has the 4th lowest CET1 ratio of the 198 banks headquartered in Illinois, at 9.85% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Banterra Bank sits 3.63 points lower, at 9.85% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 9.85% |
| Tier 1 risk-based capital ratio | 9.85% |
| Total risk-based capital ratio | 10.73% |
| Tier 1 leverage ratio | 9.41% |
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 | $313.2M |
| Tier 1 capital | $313.2M |
| Total risk-based capital | $341.0M |
| Total equity capital | $226.0M |
| Risk-weighted assets | $3.18B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.73% |
| Tangible equity to tangible assets | 6.46% |
| Equity capital to average assets | 6.77% |
| Internal capital growth rate | 8.74% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $800K |
| Common stock surplus | $81.8M |
| Retained earnings | $239.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$96.2M |
| 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 | 10.53% | 10.53% | 11.89% | 9.49% | $2.74B |
| Q4 2023 | 10.32% | 10.32% | 11.67% | 9.31% | $2.80B |
| Q1 2024 | 10.47% | 10.47% | 11.84% | 9.21% | $2.76B |
| Q2 2024 | 10.16% | 10.16% | 11.39% | 9.40% | $2.84B |
| Q3 2024 | 9.84% | 9.84% | 11.08% | 9.18% | $2.91B |
| Q4 2024 | 9.94% | 9.94% | 11.18% | 9.22% | $2.92B |
| Q1 2025 | 9.86% | 9.86% | 11.12% | 9.16% | $2.96B |
| Q2 2025 | 9.94% | 9.94% | 11.09% | 9.26% | $3.02B |
| Q3 2025 | 9.86% | 9.86% | 11.02% | 9.22% | $3.04B |
| Q4 2025 | 9.82% | 9.82% | 10.97% | 9.18% | $3.11B |
| Q1 2026 | 10.02% | 10.02% | 11.20% | 9.21% | $3.08B |
| Q2 2026 | 9.85% | 9.85% | 10.73% | 9.41% | $3.18B |
Banterra Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Banterra Bank, 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 Banterra Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17514) · FFIEC NIC profile (RSSD 502849)