Community 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%.
Compared with Q1 2026, Equity capital to total assets rose 0.33 percentage points in Q2 2026 to 10.83%, the biggest move on this page. Community Bank ranks 29th of 114 Iowa banks on CET1 ratio, in the upper half at 15.86% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Community Bank sits 0.79 points higher, at 15.86% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.86% |
| Tier 1 risk-based capital ratio | 15.86% |
| Total risk-based capital ratio | 16.67% |
| Tier 1 leverage ratio | 10.99% |
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 | $15.6M |
| Tier 1 capital | $15.6M |
| Total risk-based capital | $16.4M |
| Total equity capital | $15.0M |
| Risk-weighted assets | $98.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.83% |
| Tangible equity to tangible assets | 10.83% |
| Equity capital to average assets | 10.56% |
| Internal capital growth rate | 6.38% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $5.1M |
| Retained earnings | $10.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$608K |
| 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 | 16.22% | 16.22% | 17.03% | 11.04% | $84.1M |
| Q4 2023 | 16.80% | 16.80% | 17.62% | 10.70% | $82.2M |
| Q1 2024 | 17.57% | 17.57% | 18.42% | 10.76% | $79.3M |
| Q2 2024 | 17.49% | 17.49% | 18.33% | 10.93% | $80.6M |
| Q3 2024 | 17.30% | 17.30% | 18.15% | 11.45% | $82.7M |
| Q4 2024 | 17.38% | 17.38% | 18.23% | 11.16% | $83.0M |
| Q1 2025 | 17.55% | 17.55% | 18.38% | 10.76% | $83.2M |
| Q2 2025 | 15.91% | 15.91% | 16.72% | 10.88% | $93.0M |
| Q3 2025 | 15.39% | 15.39% | 16.24% | 11.34% | $97.3M |
| Q4 2025 | 15.58% | 15.58% | 16.44% | 11.04% | $97.6M |
| Q1 2026 | 15.91% | 15.91% | 16.89% | 11.01% | $96.5M |
| Q2 2026 | 15.86% | 15.86% | 16.67% | 10.99% | $98.3M |
Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14649) · FFIEC NIC profile (RSSD 675042)