Connection 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.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 6.0% to $26.2M. Within Iowa, Connection Bank is 92nd of 114 on CET1 ratio, 11.54% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Connection Bank sits 3.54 points lower, at 11.54% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.54% |
| Tier 1 risk-based capital ratio | 11.54% |
| Total risk-based capital ratio | 12.71% |
| Tier 1 leverage ratio | 9.98% |
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 | $54.0M |
| Tier 1 capital | $54.0M |
| Total risk-based capital | $59.5M |
| Total equity capital | $55.6M |
| Risk-weighted assets | $467.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.29% |
| Tangible equity to tangible assets | 9.88% |
| Equity capital to average assets | 10.24% |
| Internal capital growth rate | 10.97% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $29.0M |
| Retained earnings | $26.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$788K |
| 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 | 11.14% | 11.14% | 12.27% | 9.65% | $404.9M |
| Q4 2023 | 10.77% | 10.77% | 11.92% | 8.88% | $416.1M |
| Q1 2024 | 10.79% | 10.79% | 11.93% | 9.15% | $421.9M |
| Q2 2024 | 10.92% | 10.92% | 12.08% | 9.32% | $423.9M |
| Q3 2024 | 11.10% | 11.10% | 12.27% | 9.34% | $423.8M |
| Q4 2024 | 11.02% | 11.02% | 12.19% | 9.19% | $427.6M |
| Q1 2025 | 10.89% | 10.89% | 12.02% | 9.63% | $444.1M |
| Q2 2025 | 11.02% | 11.02% | 12.16% | 9.77% | $450.7M |
| Q3 2025 | 11.22% | 11.22% | 12.36% | 9.89% | $455.6M |
| Q4 2025 | 11.14% | 11.14% | 12.32% | 9.70% | $464.7M |
| Q1 2026 | 11.23% | 11.23% | 12.39% | 9.40% | $467.6M |
| Q2 2026 | 11.54% | 11.54% | 12.71% | 9.98% | $467.7M |
Connection Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Connection 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 Connection Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 955) · FFIEC NIC profile (RSSD 624246)