Dysart 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.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.72 percentage points to 11.79%. Dysart State Bank ranks 28th of 114 Iowa banks on CET1 ratio, in the upper half at 16.09% (Q2 2026). Dysart State Bank reported 16.09% on CET1 ratio for Q2 2026, 3.87 points below the 19.96% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.09% |
| Tier 1 risk-based capital ratio | 16.09% |
| Total risk-based capital ratio | 17.12% |
| Tier 1 leverage ratio | 11.41% |
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 | $1.9M |
| Tier 1 capital | $1.9M |
| Total risk-based capital | $2.1M |
| Total equity capital | $1.9M |
| Risk-weighted assets | $12.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.79% |
| Tangible equity to tangible assets | 11.79% |
| Equity capital to average assets | 11.41% |
| Internal capital growth rate | 12.92% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $600K |
| Retained earnings | $949K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 15.49% | 15.49% | 15.85% | 8.18% | $9.7M |
| Q4 2023 | 15.56% | 15.56% | 16.17% | 8.75% | $9.8M |
| Q1 2024 | 13.90% | 13.90% | 14.45% | 8.80% | $11.0M |
| Q2 2024 | 14.99% | 14.99% | 16.12% | 8.58% | $10.2M |
| Q3 2024 | 14.94% | 14.94% | 16.01% | 9.16% | $10.7M |
| Q4 2024 | 15.01% | 15.01% | 16.07% | 9.33% | $10.8M |
| Q1 2025 | 14.08% | 14.08% | 15.06% | 9.40% | $11.8M |
| Q2 2025 | 13.99% | 13.99% | 14.96% | 9.59% | $12.4M |
| Q3 2025 | 15.03% | 15.03% | 16.01% | 9.98% | $12.0M |
| Q4 2025 | 15.61% | 15.61% | 16.67% | 10.57% | $11.8M |
| Q1 2026 | 15.60% | 15.60% | 16.63% | 11.06% | $12.1M |
| Q2 2026 | 16.09% | 16.09% | 17.12% | 11.41% | $12.1M |
Dysart State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Dysart 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 Dysart State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17441) · FFIEC NIC profile (RSSD 602842)