Eureka 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 7.7% lower than in Q1 2026, at -$5.1M. Among 198 Illinois banks, Eureka Savings Bank sits 9th from the top on CET1 ratio, 38.19% as of Q2 2026. Eureka Savings Bank's CET1 ratio of 38.19% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 23.12 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 38.19% |
| Tier 1 risk-based capital ratio | 38.19% |
| Total risk-based capital ratio | 39.44% |
| Tier 1 leverage ratio | 21.56% |
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 | $95.2M |
| Tier 1 capital | $95.2M |
| Total risk-based capital | $98.4M |
| Total equity capital | $90.5M |
| Risk-weighted assets | $249.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 20.77% |
| Tangible equity to tangible assets | 20.71% |
| Equity capital to average assets | 20.47% |
| Internal capital growth rate | 4.04% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $95.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.1M |
| 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 | 38.70% | 38.70% | 39.95% | 20.71% | $217.8M |
| Q4 2023 | 38.37% | 38.37% | 39.63% | 20.83% | $221.6M |
| Q1 2024 | 39.39% | 39.39% | 40.65% | 20.87% | $217.8M |
| Q2 2024 | 36.48% | 36.48% | 37.73% | 21.19% | $238.5M |
| Q3 2024 | 36.40% | 36.40% | 37.65% | 21.24% | $241.5M |
| Q4 2024 | 36.73% | 36.73% | 37.87% | 21.27% | $242.4M |
| Q1 2025 | 37.87% | 37.87% | 39.02% | 21.25% | $237.6M |
| Q2 2025 | 39.19% | 39.19% | 40.35% | 21.38% | $232.5M |
| Q3 2025 | 39.41% | 39.41% | 40.60% | 21.68% | $234.3M |
| Q4 2025 | 37.48% | 37.48% | 38.66% | 21.61% | $248.9M |
| Q1 2026 | 38.52% | 38.52% | 39.70% | 21.53% | $244.9M |
| Q2 2026 | 38.19% | 38.19% | 39.44% | 21.56% | $249.4M |
Eureka Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Eureka 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 Eureka Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28401) · FFIEC NIC profile (RSSD 587677)