Earlham Savings 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, Total risk-based capital ratio rose 1.42 percentage points in Q2 2026 to 18.05%, the biggest move on this page. Within Iowa, Earlham Savings Bank is 23rd of 114 on CET1 ratio, 16.78% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Earlham Savings Bank sits 1.71 points higher, at 16.78% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.78% |
| Tier 1 risk-based capital ratio | 16.78% |
| Total risk-based capital ratio | 18.05% |
| Tier 1 leverage ratio | 9.53% |
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 | $37.0M |
| Tier 1 capital | $37.0M |
| Total risk-based capital | $39.8M |
| Total equity capital | $36.9M |
| Risk-weighted assets | $220.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.66% |
| Tangible equity to tangible assets | 9.66% |
| Equity capital to average assets | 9.51% |
| Internal capital growth rate | 12.02% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $342K |
| Common stock surplus | $1.9M |
| Retained earnings | $34.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$68K |
| 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 | 16.46% | 16.46% | 17.72% | 8.45% | $183.7M |
| Q4 2023 | 16.74% | 16.74% | 18.00% | 8.40% | $180.4M |
| Q1 2024 | 16.01% | 16.01% | 17.27% | 8.53% | $190.7M |
| Q2 2024 | 16.39% | 16.39% | 17.65% | 8.63% | $189.6M |
| Q3 2024 | 16.22% | 16.22% | 17.48% | 8.76% | $194.3M |
| Q4 2024 | 16.29% | 16.29% | 17.54% | 8.70% | $195.6M |
| Q1 2025 | 16.15% | 16.15% | 17.41% | 8.96% | $203.5M |
| Q2 2025 | 16.96% | 16.96% | 18.23% | 9.31% | $204.6M |
| Q3 2025 | 16.86% | 16.86% | 18.13% | 9.44% | $210.3M |
| Q4 2025 | 16.35% | 16.35% | 17.62% | 9.34% | $214.0M |
| Q1 2026 | 15.37% | 15.37% | 16.63% | 9.36% | $233.8M |
| Q2 2026 | 16.78% | 16.78% | 18.05% | 9.53% | $220.5M |
Earlham Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Earlham Savings 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 Earlham Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5796) · FFIEC NIC profile (RSSD 645540)