Idaho Trust 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: 0.84 percentage points lower than in Q1 2026, at 10.33%. On CET1 ratio, Idaho Trust Bank is 3rd from the bottom among 7 Idaho banks, 14.10% (Q2 2026). Idaho Trust Bank reported 14.10% on CET1 ratio for Q2 2026, 0.97 points below 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 | 14.10% |
| Tier 1 risk-based capital ratio | 14.10% |
| Total risk-based capital ratio | 15.17% |
| Tier 1 leverage ratio | 11.23% |
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 | $26.6M |
| Tier 1 capital | $26.6M |
| Total risk-based capital | $28.7M |
| Total equity capital | $26.4M |
| Risk-weighted assets | $189.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.33% |
| Tangible equity to tangible assets | 10.33% |
| Equity capital to average assets | 11.11% |
| Internal capital growth rate | 6.62% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $13.2M |
| Retained earnings | $12.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$837K |
| 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 | 14.00% | 14.00% | 14.82% | 10.09% | $140.6M |
| Q4 2023 | 13.70% | 13.70% | 14.53% | 10.33% | $148.8M |
| Q1 2024 | 14.59% | 14.59% | 15.42% | 10.33% | $149.1M |
| Q2 2024 | 15.24% | 15.24% | 16.09% | 10.78% | $145.6M |
| Q3 2024 | 14.47% | 14.47% | 15.29% | 10.62% | $152.3M |
| Q4 2024 | 14.05% | 14.05% | 14.81% | 11.01% | $163.3M |
| Q1 2025 | 13.66% | 13.66% | 14.41% | 11.63% | $170.2M |
| Q2 2025 | 13.37% | 13.37% | 14.09% | 11.22% | $175.8M |
| Q3 2025 | 12.90% | 12.90% | 13.60% | 10.29% | $181.9M |
| Q4 2025 | 14.45% | 14.45% | 15.60% | 10.44% | $175.8M |
| Q1 2026 | 14.38% | 14.38% | 15.50% | 11.36% | $181.2M |
| Q2 2026 | 14.10% | 14.10% | 15.17% | 11.23% | $189.0M |
Idaho Trust Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Idaho Trust 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 Idaho Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35103) · FFIEC NIC profile (RSSD 2753917)