Icon Business 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: 1.72 percentage points higher than in Q1 2026, at 11.94%.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.94% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $18.6M |
| Tier 1 capital | $18.6M |
| Total risk-based capital | — |
| Total equity capital | $18.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.94% |
| Tangible equity to tangible assets | 11.94% |
| Equity capital to average assets | 11.93% |
| Internal capital growth rate | -8.42% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $32.8M |
| Common stock surplus | $425K |
| Retained earnings | -$14.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$16K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 77.36% | 75.50% | 75.50% |
| Q4 2023 | 62.80% | 58.52% | 58.52% |
| Q1 2024 | 50.04% | 44.16% | 44.16% |
| Q2 2024 | 35.19% | 31.79% | 31.79% |
| Q3 2024 | 26.08% | 21.34% | 21.34% |
| Q4 2024 | 18.98% | 16.03% | 16.03% |
| Q1 2025 | 14.33% | 12.59% | 12.59% |
| Q2 2025 | 10.60% | 8.87% | 8.87% |
| Q3 2025 | 8.65% | 7.84% | 7.84% |
| Q4 2025 | 8.10% | 8.52% | 8.52% |
| Q1 2026 | 10.73% | 10.22% | 10.22% |
| Q2 2026 | 11.94% | 11.94% | 11.94% |
Icon Business Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Icon Business 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 Icon Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59314) · FFIEC NIC profile (RSSD 5805228)