Cedar Rapids 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%.
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.
Compared with Q1 2026, Retained earnings rose 6.2% in Q2 2026 to $1.6M, the biggest move on this page. Cedar Rapids State Bank ranks 42nd of 57 Nebraska banks on CET1 ratio, in the lower half at 12.48% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Cedar Rapids State Bank sits 2.60 points lower, at 12.48% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.48% |
| Tier 1 risk-based capital ratio | 12.48% |
| Total risk-based capital ratio | 13.51% |
| Tier 1 leverage ratio | 9.55% |
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 | $16.6M |
| Tier 1 capital | $16.6M |
| Total risk-based capital | $18.0M |
| Total equity capital | $16.5M |
| Risk-weighted assets | $133.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.45% |
| Tangible equity to tangible assets | 9.45% |
| Equity capital to average assets | 9.49% |
| Internal capital growth rate | 2.30% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $14.9M |
| Retained earnings | $1.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$108K |
| 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% | 11.27% | 8.35% | $104.7M |
| Q4 2023 | 10.56% | 10.56% | 11.30% | 8.19% | $111.3M |
| Q1 2024 | 11.11% | 11.11% | 11.89% | 8.16% | $110.6M |
| Q2 2024 | 11.76% | 11.76% | 12.46% | 9.22% | $123.8M |
| Q3 2024 | 12.19% | 12.19% | 13.08% | 9.08% | $123.4M |
| Q4 2024 | 12.47% | 12.47% | 13.38% | 9.42% | $126.8M |
| Q1 2025 | 13.02% | 13.02% | 13.98% | 9.80% | $124.3M |
| Q2 2025 | 12.66% | 12.66% | 13.62% | 9.94% | $130.8M |
| Q3 2025 | 12.85% | 12.85% | 13.85% | 9.80% | $131.9M |
| Q4 2025 | 12.47% | 12.47% | 13.27% | 9.26% | $131.8M |
| Q1 2026 | 12.92% | 12.92% | 13.79% | 9.41% | $128.0M |
| Q2 2026 | 12.48% | 12.48% | 13.51% | 9.55% | $133.3M |
Cedar Rapids State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Cedar Rapids 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 Cedar Rapids State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18820) · FFIEC NIC profile (RSSD 1005851)