The Bippus State 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%.
Accumulated other comprehensive income climbed 11.9% in Q2 2026, from -$5.2M to -$4.5M. It was the largest change from Q1 2026 among the key lines here. Within Indiana, The Bippus State Bank is 15th of 50 on CET1 ratio, 15.17% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio; The Bippus State Bank reported 15.17% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.17% |
| Tier 1 risk-based capital ratio | 15.17% |
| Total risk-based capital ratio | 16.27% |
| Tier 1 leverage ratio | 11.99% |
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 | $53.6M |
| Tier 1 capital | $53.6M |
| Total risk-based capital | $57.5M |
| Total equity capital | $49.1M |
| Risk-weighted assets | $353.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.70% |
| Tangible equity to tangible assets | 10.70% |
| Equity capital to average assets | 10.97% |
| Internal capital growth rate | -13.18% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $250K |
| Common stock surplus | $11.0M |
| Retained earnings | $42.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.5M |
| 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 | 14.26% | 14.26% | 15.30% | 12.36% | $301.9M |
| Q4 2023 | 15.35% | 15.35% | 16.52% | 12.24% | $283.3M |
| Q1 2024 | 15.27% | 15.27% | 16.46% | 12.21% | $286.6M |
| Q2 2024 | 15.44% | 15.44% | 16.69% | 12.62% | $296.3M |
| Q3 2024 | 15.69% | 15.69% | 16.83% | 12.88% | $302.1M |
| Q4 2024 | 15.41% | 15.41% | 16.63% | 12.93% | $314.8M |
| Q1 2025 | 15.07% | 15.07% | 16.21% | 12.76% | $328.8M |
| Q2 2025 | 15.65% | 15.65% | 16.80% | 12.73% | $329.6M |
| Q3 2025 | 15.70% | 15.70% | 16.81% | 12.72% | $337.5M |
| Q4 2025 | 15.66% | 15.66% | 16.75% | 12.65% | $344.6M |
| Q1 2026 | 16.28% | 16.28% | 17.39% | 12.70% | $339.6M |
| Q2 2026 | 15.17% | 15.17% | 16.27% | 11.99% | $353.4M |
The Bippus State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bippus State 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 The Bippus State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1847) · FFIEC NIC profile (RSSD 443148)