Incrediblebank: 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Risk-weighted assets rose 3.7% from Q1 2026 to Q2 2026, ending at $1.66B against $1.60B. It was the largest change among the key lines on this page. Incrediblebank has the 6th lowest CET1 ratio of the 85 banks headquartered in Wisconsin, at 10.32% as of Q2 2026. Incrediblebank reported 10.32% on CET1 ratio for Q2 2026, 3.18 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.32% |
| Tier 1 risk-based capital ratio | 10.32% |
| Total risk-based capital ratio | 11.41% |
| Tier 1 leverage ratio | 8.30% |
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 | $171.3M |
| Tier 1 capital | $171.3M |
| Total risk-based capital | $189.4M |
| Total equity capital | $162.2M |
| Risk-weighted assets | $1.66B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.71% |
| Tangible equity to tangible assets | 7.02% |
| Equity capital to average assets | 7.80% |
| Internal capital growth rate | 6.91% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $316K |
| Common stock surplus | $79.2M |
| Retained earnings | $107.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$24.6M |
| 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 | 10.53% | 10.53% | 11.40% | 8.22% | $1.52B |
| Q4 2023 | 10.18% | 10.18% | 11.21% | 8.12% | $1.54B |
| Q1 2024 | 10.15% | 10.15% | 11.21% | 7.90% | $1.54B |
| Q2 2024 | 10.03% | 10.03% | 11.03% | 7.93% | $1.58B |
| Q3 2024 | 9.78% | 9.78% | 10.96% | 7.76% | $1.61B |
| Q4 2024 | 9.86% | 9.86% | 11.05% | 7.91% | $1.60B |
| Q1 2025 | 9.95% | 9.95% | 10.94% | 7.86% | $1.59B |
| Q2 2025 | 9.97% | 9.97% | 10.95% | 7.87% | $1.60B |
| Q3 2025 | 10.48% | 10.48% | 11.56% | 7.98% | $1.55B |
| Q4 2025 | 10.35% | 10.35% | 11.34% | 8.15% | $1.60B |
| Q1 2026 | 10.53% | 10.53% | 11.64% | 8.19% | $1.60B |
| Q2 2026 | 10.32% | 10.32% | 11.41% | 8.30% | $1.66B |
Incrediblebank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Incrediblebank, 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 Incrediblebank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19772) · FFIEC NIC profile (RSSD 163549)