CBI Bank & Trust: 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%.
In Q2 2026, Equity capital to total assets edged down by 0.24 percentage points, from 12.04% to 11.80%, the largest move among the key lines here. Within Iowa, CBI Bank & Trust is 70th of 114 on CET1 ratio, 13.00% as of Q2 2026, below the middle of the field. CBI Bank & Trust reported 13.00% on CET1 ratio for Q2 2026, 0.48 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 | 13.00% |
| Tier 1 risk-based capital ratio | 13.00% |
| Total risk-based capital ratio | 14.18% |
| Tier 1 leverage ratio | 10.23% |
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 | $164.9M |
| Tier 1 capital | $164.9M |
| Total risk-based capital | $179.9M |
| Total equity capital | $201.1M |
| Risk-weighted assets | $1.27B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.80% |
| Tangible equity to tangible assets | 9.04% |
| Equity capital to average assets | 12.11% |
| Internal capital growth rate | 2.47% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $98.9M |
| Retained earnings | $113.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.8M |
| 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 | 14.17% | 14.17% | 15.21% | 10.58% | $834.1M |
| Q4 2023 | 11.91% | 11.91% | 12.96% | 9.33% | $1.10B |
| Q1 2024 | 11.80% | 11.80% | 12.88% | 8.91% | $1.14B |
| Q2 2024 | 11.98% | 11.98% | 13.03% | 9.06% | $1.13B |
| Q3 2024 | 12.46% | 12.46% | 13.48% | 9.52% | $1.15B |
| Q4 2024 | 12.51% | 12.51% | 13.55% | 9.58% | $1.16B |
| Q1 2025 | 12.40% | 12.40% | 13.39% | 9.73% | $1.20B |
| Q2 2025 | 12.69% | 12.69% | 13.69% | 9.90% | $1.20B |
| Q3 2025 | 12.82% | 12.82% | 13.80% | 9.97% | $1.22B |
| Q4 2025 | 12.70% | 12.70% | 13.71% | 10.17% | $1.26B |
| Q1 2026 | 13.08% | 13.08% | 14.23% | 10.25% | $1.25B |
| Q2 2026 | 13.00% | 13.00% | 14.18% | 10.23% | $1.27B |
CBI Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock CBI Bank & Trust, 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 CBI Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1552) · FFIEC NIC profile (RSSD 830542)