Grinnell 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%.
The largest change between Q1 2026 and Q2 2026 was in Total equity capital, which rose 2.9% to $49.7M. Grinnell State Bank ranks 39th of 114 Iowa banks on CET1 ratio, in the upper half at 15.18% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio; Grinnell State Bank reported 15.18% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.18% |
| Tier 1 risk-based capital ratio | 15.18% |
| Total risk-based capital ratio | 16.23% |
| Tier 1 leverage ratio | 11.90% |
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 | $60.8M |
| Tier 1 capital | $60.8M |
| Total risk-based capital | $65.0M |
| Total equity capital | $49.7M |
| Risk-weighted assets | $400.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.97% |
| Tangible equity to tangible assets | 9.97% |
| Equity capital to average assets | 9.73% |
| Internal capital growth rate | 10.01% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $240K |
| Common stock surplus | $2.7M |
| Retained earnings | $57.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.1M |
| 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 | 14.17% | 14.17% | 15.19% | 10.03% | $360.5M |
| Q4 2023 | 14.83% | 14.83% | 15.85% | 11.01% | $359.5M |
| Q1 2024 | 14.25% | 14.25% | 15.23% | 11.11% | $375.2M |
| Q2 2024 | 13.76% | 13.76% | 14.70% | 10.89% | $393.0M |
| Q3 2024 | 13.54% | 13.54% | 14.46% | 10.50% | $403.2M |
| Q4 2024 | 13.84% | 13.84% | 14.82% | 10.57% | $400.4M |
| Q1 2025 | 14.04% | 14.04% | 15.01% | 10.99% | $401.5M |
| Q2 2025 | 13.92% | 13.92% | 15.13% | 11.01% | $405.6M |
| Q3 2025 | 13.83% | 13.83% | 15.01% | 11.41% | $417.9M |
| Q4 2025 | 15.07% | 15.07% | 16.30% | 11.79% | $391.2M |
| Q1 2026 | 15.07% | 15.07% | 16.13% | 11.82% | $395.4M |
| Q2 2026 | 15.18% | 15.18% | 16.23% | 11.90% | $400.4M |
Grinnell State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Grinnell 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 Grinnell State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11347) · FFIEC NIC profile (RSSD 783246)