Cedar Rapids Bank and Trust Company: 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 Risk-weighted assets: 7.9% higher than in Q1 2026, at $3.69B. Within Iowa, Cedar Rapids Bank and Trust Company is 66th of 114 on CET1 ratio, 13.15% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio; Cedar Rapids Bank and Trust Company reported 13.15% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.15% |
| Tier 1 risk-based capital ratio | 13.15% |
| Total risk-based capital ratio | 13.86% |
| Tier 1 leverage ratio | 16.94% |
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 | $485.6M |
| Tier 1 capital | $485.6M |
| Total risk-based capital | $511.8M |
| Total equity capital | $488.9M |
| Risk-weighted assets | $3.69B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.86% |
| Tangible equity to tangible assets | 16.42% |
| Equity capital to average assets | 16.94% |
| Internal capital growth rate | 9.79% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.0M |
| Common stock surplus | $118.9M |
| Retained earnings | $380.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$15.8M |
| 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 | 15.56% | 15.56% | 16.80% | 14.60% | $2.13B |
| Q4 2023 | 14.49% | 14.49% | 15.58% | 14.76% | $2.45B |
| Q1 2024 | 14.52% | 14.52% | 15.51% | 15.99% | $2.57B |
| Q2 2024 | 14.83% | 14.83% | 15.87% | 16.22% | $2.63B |
| Q3 2024 | 13.71% | 13.71% | 14.64% | 16.17% | $2.97B |
| Q4 2024 | 13.85% | 13.85% | 14.79% | 16.40% | $3.06B |
| Q1 2025 | 14.03% | 14.03% | 14.92% | 17.05% | $3.12B |
| Q2 2025 | 14.22% | 14.22% | 15.09% | 17.28% | $3.19B |
| Q3 2025 | 13.75% | 13.75% | 14.58% | 16.81% | $3.28B |
| Q4 2025 | 13.76% | 13.76% | 14.61% | 16.22% | $3.39B |
| Q1 2026 | 13.85% | 13.85% | 14.64% | 16.68% | $3.42B |
| Q2 2026 | 13.15% | 13.15% | 13.86% | 16.94% | $3.69B |
Cedar Rapids Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Cedar Rapids Bank and Trust Company, 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 Cedar Rapids Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57244) · FFIEC NIC profile (RSSD 3029589)