GNB 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%.
Accumulated other comprehensive income climbed 20.2% in Q2 2026, from -$2.1M to -$1.7M. It was the largest change from Q1 2026 among the key lines here. GNB Bank ranks 35th of 114 Iowa banks on CET1 ratio, in the upper half at 15.45% (Q2 2026). At 15.45%, GNB Bank's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.45% |
| Tier 1 risk-based capital ratio | 15.45% |
| Total risk-based capital ratio | 16.70% |
| Tier 1 leverage ratio | 12.22% |
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 | $74.5M |
| Tier 1 capital | $74.5M |
| Total risk-based capital | $80.5M |
| Total equity capital | $79.2M |
| Risk-weighted assets | $482.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.75% |
| Tangible equity to tangible assets | 11.85% |
| Equity capital to average assets | 12.86% |
| Internal capital growth rate | 7.97% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $350K |
| Common stock surplus | $29.6M |
| Retained earnings | $50.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.7M |
| 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 | 13.19% | 13.19% | 14.41% | 9.95% | $473.3M |
| Q4 2023 | 12.33% | 12.33% | 13.48% | 9.91% | $511.6M |
| Q1 2024 | 12.36% | 12.36% | 13.48% | 10.08% | $511.8M |
| Q2 2024 | 13.53% | 13.53% | 14.67% | 10.23% | $473.6M |
| Q3 2024 | 12.83% | 12.83% | 13.88% | 10.56% | $509.0M |
| Q4 2024 | 13.84% | 13.84% | 15.00% | 10.75% | $478.2M |
| Q1 2025 | 13.17% | 13.17% | 14.42% | 10.90% | $507.1M |
| Q2 2025 | 13.94% | 13.94% | 15.19% | 11.14% | $490.2M |
| Q3 2025 | 13.63% | 13.63% | 14.88% | 11.32% | $516.7M |
| Q4 2025 | 14.52% | 14.52% | 15.77% | 11.59% | $494.8M |
| Q1 2026 | 15.22% | 15.22% | 16.47% | 11.80% | $479.3M |
| Q2 2026 | 15.45% | 15.45% | 16.70% | 12.22% | $482.1M |
GNB Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock GNB 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 GNB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14079) · FFIEC NIC profile (RSSD 724744)