I3 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 8.2% in Q2 2026, from -$2.6M to -$2.4M. It was the largest change from Q1 2026 among the key lines here. I3 Bank has the 1st lowest CET1 ratio of the 57 banks headquartered in Nebraska, at 10.53% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. I3 Bank sits 4.54 points lower, at 10.53% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.53% |
| Tier 1 risk-based capital ratio | 10.53% |
| Total risk-based capital ratio | 11.76% |
| Tier 1 leverage ratio | 8.80% |
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 | $20.4M |
| Tier 1 capital | $20.4M |
| Total risk-based capital | $22.8M |
| Total equity capital | $18.3M |
| Risk-weighted assets | $193.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.10% |
| Tangible equity to tangible assets | 7.99% |
| Equity capital to average assets | 7.86% |
| Internal capital growth rate | 5.19% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $247K |
| Common stock surplus | $11.9M |
| Retained earnings | $8.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.4M |
| 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 | 11.28% | 11.28% | 12.53% | 10.17% | $167.4M |
| Q4 2023 | 10.93% | 10.93% | 12.19% | 9.98% | $169.3M |
| Q1 2024 | 12.28% | 12.28% | 13.53% | 10.82% | $169.2M |
| Q2 2024 | 12.08% | 12.08% | 13.33% | 10.52% | $167.9M |
| Q3 2024 | 11.52% | 11.52% | 12.77% | 9.83% | $170.8M |
| Q4 2024 | 10.95% | 10.95% | 12.20% | 10.08% | $178.7M |
| Q1 2025 | 11.22% | 11.22% | 12.47% | 9.75% | $173.8M |
| Q2 2025 | 11.32% | 11.32% | 12.54% | 9.80% | $175.1M |
| Q3 2025 | 10.39% | 10.39% | 11.64% | 9.63% | $189.7M |
| Q4 2025 | 10.55% | 10.55% | 11.80% | 9.45% | $191.8M |
| Q1 2026 | 10.08% | 10.08% | 11.33% | 9.11% | $200.1M |
| Q2 2026 | 10.53% | 10.53% | 11.76% | 8.80% | $193.9M |
I3 Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock I3 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 I3 Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8595) · FFIEC NIC profile (RSSD 348159)