Grundy 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 Equity capital to total assets: 3.62 percentage points lower than in Q1 2026, at 10.57%. Within Illinois, Grundy Bank is 34th of 198 on CET1 ratio, 22.43% as of Q2 2026, above the middle of the field. Grundy Bank reported 22.43% on CET1 ratio for Q2 2026, 7.36 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 22.43% |
| Tier 1 risk-based capital ratio | 22.43% |
| Total risk-based capital ratio | 23.68% |
| Tier 1 leverage ratio | 12.62% |
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 | $49.6M |
| Tier 1 capital | $49.6M |
| Total risk-based capital | $52.4M |
| Total equity capital | $53.4M |
| Risk-weighted assets | $221.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.57% |
| Tangible equity to tangible assets | 9.87% |
| Equity capital to average assets | 13.45% |
| Internal capital growth rate | 1.74% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $835K |
| Common stock surplus | $6.3M |
| Retained earnings | $46.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$169K |
| 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 | 19.24% | 19.24% | 20.49% | 10.70% | $203.7M |
| Q4 2023 | 17.39% | 17.39% | 18.65% | 10.74% | $209.3M |
| Q1 2024 | 18.79% | 18.79% | 20.04% | 11.53% | $207.5M |
| Q2 2024 | 18.74% | 18.74% | 19.99% | 11.75% | $212.1M |
| Q3 2024 | 18.75% | 18.75% | 20.00% | 10.42% | $215.6M |
| Q4 2024 | 19.39% | 19.39% | 20.64% | 12.33% | $221.2M |
| Q1 2025 | 19.56% | 19.56% | 20.81% | 12.80% | $225.5M |
| Q2 2025 | 19.20% | 19.20% | 20.45% | 11.68% | $231.7M |
| Q3 2025 | 19.10% | 19.10% | 20.36% | 11.51% | $237.8M |
| Q4 2025 | 20.46% | 20.46% | 21.71% | 12.89% | $235.8M |
| Q1 2026 | 22.07% | 22.07% | 23.32% | 13.53% | $223.6M |
| Q2 2026 | 22.43% | 22.43% | 23.68% | 12.62% | $221.1M |
Grundy Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Grundy 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 Grundy Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3713) · FFIEC NIC profile (RSSD 715144)