Great Rivers 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%.
Tangible equity to tangible assets rose 0.39 percentage points from Q1 2026 to Q2 2026, ending at 11.03% against 10.64%. It was the largest change among the key lines on this page. Within Illinois, Great Rivers Bank is 145th of 198 on CET1 ratio, 12.45% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Great Rivers Bank sits 2.62 points lower, at 12.45% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.45% |
| Tier 1 risk-based capital ratio | 12.45% |
| Total risk-based capital ratio | 13.47% |
| Tier 1 leverage ratio | 11.20% |
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 | $21.8M |
| Tier 1 capital | $21.8M |
| Total risk-based capital | $23.6M |
| Total equity capital | $22.1M |
| Risk-weighted assets | $175.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.35% |
| Tangible equity to tangible assets | 11.03% |
| Equity capital to average assets | 11.28% |
| Internal capital growth rate | 10.64% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $1.1M |
| Retained earnings | $21.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$467K |
| 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 | 12.23% | 12.23% | 13.26% | 10.75% | $146.3M |
| Q4 2023 | 11.92% | 11.92% | 12.91% | 10.83% | $151.0M |
| Q1 2024 | 12.93% | 12.93% | 14.00% | 11.48% | $142.2M |
| Q2 2024 | 12.60% | 12.60% | 13.62% | 11.73% | $149.6M |
| Q3 2024 | 12.42% | 12.42% | 13.39% | 11.57% | $155.6M |
| Q4 2024 | 12.07% | 12.07% | 13.04% | 11.11% | $160.3M |
| Q1 2025 | 12.04% | 12.04% | 13.00% | 11.19% | $165.0M |
| Q2 2025 | 12.14% | 12.14% | 13.09% | 11.15% | $168.5M |
| Q3 2025 | 12.08% | 12.08% | 13.04% | 11.03% | $173.3M |
| Q4 2025 | 11.71% | 11.71% | 12.70% | 10.59% | $175.0M |
| Q1 2026 | 12.31% | 12.31% | 13.32% | 10.88% | $172.5M |
| Q2 2026 | 12.45% | 12.45% | 13.47% | 11.20% | $175.5M |
Great Rivers Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Great Rivers 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 Great Rivers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3762) · FFIEC NIC profile (RSSD 857941)