Community Bank of Oelwein: 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 Q2 2026, Tier 1 leverage ratio rose 0.79 percentage points in Q3 2026 to 14.90%, the biggest move on this page.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.90% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $13.9M |
| Tier 1 capital | $13.9M |
| Total risk-based capital | — |
| Total equity capital | $13.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 14.13% |
| Tangible equity to tangible assets | 14.13% |
| Equity capital to average assets | 13.92% |
| Internal capital growth rate | 7.89% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $239K |
| Common stock surplus | $2.6M |
| Retained earnings | $11.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$921K |
| 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 |
|---|---|---|---|---|---|
| Q4 2023 | 17.63% | 17.63% | 18.54% | 12.73% | $75.2M |
| Q1 2024 | 17.10% | 17.10% | 17.97% | 12.65% | $78.3M |
| Q2 2024 | 17.10% | 17.10% | 17.97% | 12.42% | $79.0M |
| Q3 2024 | 17.29% | 17.29% | 18.17% | 12.66% | $79.0M |
| Q4 2024 | 17.13% | 17.13% | 17.89% | 12.81% | $80.3M |
| Q1 2025 | 16.48% | 16.48% | 17.24% | 12.30% | $81.6M |
| Q2 2025 | — | — | — | 13.01% | — |
| Q3 2025 | — | — | — | 12.99% | — |
| Q4 2025 | — | — | — | 13.15% | — |
| Q1 2026 | — | — | — | 13.67% | — |
| Q2 2026 | — | — | — | 14.11% | — |
| Q3 2026 | — | — | — | 14.90% | — |
Community Bank of Oelwein regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of Oelwein, 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 of Oelwein profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34857) · FFIEC NIC profile (RSSD 2702764)