Central 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 9.4% higher than in Q1 2026, at -$3.0M. Central Bank has the 7th lowest CET1 ratio of the 114 banks headquartered in Iowa, at 10.60% as of Q2 2026. Central Bank reported 10.60% on CET1 ratio for Q2 2026, 2.88 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 | 10.60% |
| Tier 1 risk-based capital ratio | 10.60% |
| Total risk-based capital ratio | 11.55% |
| Tier 1 leverage ratio | 10.09% |
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 | $228.2M |
| Tier 1 capital | $228.2M |
| Total risk-based capital | $248.7M |
| Total equity capital | $237.1M |
| Risk-weighted assets | $2.15B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.35% |
| Tangible equity to tangible assets | 9.88% |
| Equity capital to average assets | 10.44% |
| Internal capital growth rate | 6.74% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $615K |
| Common stock surplus | $125.5M |
| Retained earnings | $113.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.0M |
| 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 | 9.18% | 9.18% | 10.15% | 8.66% | $1.98B |
| Q4 2023 | 9.69% | 9.69% | 10.71% | 9.20% | $2.00B |
| Q1 2024 | 9.66% | 9.66% | 10.67% | 9.10% | $2.02B |
| Q2 2024 | 9.58% | 9.58% | 10.57% | 8.90% | $2.04B |
| Q3 2024 | 9.59% | 9.59% | 10.57% | 9.09% | $2.05B |
| Q4 2024 | 9.57% | 9.57% | 10.56% | 9.05% | $2.04B |
| Q1 2025 | 9.62% | 9.62% | 10.61% | 8.96% | $2.02B |
| Q2 2025 | 10.46% | 10.46% | 11.42% | 10.00% | $2.06B |
| Q3 2025 | 10.54% | 10.54% | 11.48% | 9.71% | $2.07B |
| Q4 2025 | 10.56% | 10.56% | 11.52% | 9.85% | $2.10B |
| Q1 2026 | 10.51% | 10.51% | 11.46% | 9.99% | $2.13B |
| Q2 2026 | 10.60% | 10.60% | 11.55% | 10.09% | $2.15B |
Central Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Central 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 Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15555) · FFIEC NIC profile (RSSD 546544)