Capra 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Retained earnings climbed 57.6% in Q2 2026, from $4.6M to $7.3M. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Capra Bank is 33rd of 114 on CET1 ratio, 15.62% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Capra Bank sits 2.13 points higher, at 15.62% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.62% |
| Tier 1 risk-based capital ratio | 15.62% |
| Total risk-based capital ratio | 16.41% |
| Tier 1 leverage ratio | 8.91% |
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 | $112.7M |
| Tier 1 capital | $112.7M |
| Total risk-based capital | $118.4M |
| Total equity capital | $113.7M |
| Risk-weighted assets | $721.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.47% |
| Tangible equity to tangible assets | 8.10% |
| Equity capital to average assets | 8.94% |
| Internal capital growth rate | 13.05% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $82K |
| Common stock surplus | $110.7M |
| Retained earnings | $7.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.3M |
| 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 | 46.99% | 46.99% | 47.76% | 17.24% | $42.0M |
| Q4 2023 | 24.36% | 24.36% | 25.55% | 10.13% | $71.8M |
| Q1 2024 | 23.27% | 43.02% | 43.88% | 22.71% | $131.7M |
| Q2 2024 | 17.46% | 32.50% | 33.28% | 17.41% | $176.0M |
| Q3 2024 | 15.04% | 26.69% | 27.44% | 14.13% | $227.1M |
| Q4 2024 | 10.43% | 18.68% | 19.42% | 11.93% | $320.5M |
| Q1 2025 | 8.93% | 15.63% | 16.41% | 10.25% | $395.0M |
| Q2 2025 | 8.08% | 14.00% | 14.81% | 8.79% | $446.5M |
| Q3 2025 | 12.11% | 12.11% | 12.89% | 7.49% | $521.4M |
| Q4 2025 | 11.13% | 11.13% | 11.97% | 6.34% | $582.2M |
| Q1 2026 | 12.99% | 12.99% | 13.78% | 7.08% | $631.4M |
| Q2 2026 | 15.62% | 15.62% | 16.41% | 8.91% | $721.7M |
Capra Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Capra 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 Capra Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16363) · FFIEC NIC profile (RSSD 1013744)