Independence 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%.
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.
Compared with Q1 2026, Retained earnings rose 5.3% in Q2 2026 to $118.4M, the biggest move on this page. Independence Bank ranks 8th of 21 Montana banks on CET1 ratio, in the upper half at 15.16% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Independence Bank sits 1.67 points higher, at 15.16% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.16% |
| Tier 1 risk-based capital ratio | 15.16% |
| Total risk-based capital ratio | 16.38% |
| Tier 1 leverage ratio | 13.39% |
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 | $185.6M |
| Tier 1 capital | $185.6M |
| Total risk-based capital | $200.5M |
| Total equity capital | $168.7M |
| Risk-weighted assets | $1.22B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.14% |
| Tangible equity to tangible assets | 12.03% |
| Equity capital to average assets | 12.16% |
| Internal capital growth rate | 14.58% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.3M |
| Common stock surplus | $67.7M |
| Retained earnings | $118.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$18.7M |
| 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 | 14.90% | 14.90% | 16.12% | 12.42% | $998.8M |
| Q4 2023 | 15.63% | 15.63% | 16.88% | 12.48% | $975.8M |
| Q1 2024 | 15.66% | 15.66% | 16.91% | 12.59% | $972.5M |
| Q2 2024 | 14.68% | 14.68% | 15.84% | 12.61% | $1.06B |
| Q3 2024 | 15.29% | 15.29% | 16.49% | 12.64% | $1.04B |
| Q4 2024 | 15.92% | 15.92% | 17.14% | 12.76% | $1.03B |
| Q1 2025 | 15.27% | 15.27% | 16.48% | 12.68% | $1.08B |
| Q2 2025 | 14.90% | 14.90% | 16.06% | 12.60% | $1.12B |
| Q3 2025 | 14.65% | 14.65% | 15.79% | 12.79% | $1.18B |
| Q4 2025 | 15.42% | 15.42% | 16.67% | 12.99% | $1.15B |
| Q1 2026 | 15.39% | 15.39% | 16.64% | 13.08% | $1.17B |
| Q2 2026 | 15.16% | 15.16% | 16.38% | 13.39% | $1.22B |
Independence Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Independence 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 Independence Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20989) · FFIEC NIC profile (RSSD 606653)