Independence State 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 Retained earnings: 8.5% higher than in Q1 2026, at $3.5M. Within Wisconsin, Independence State Bank is 52nd of 85 on CET1 ratio, 12.43% as of Q2 2026, below the middle of the field. Independence State Bank reported 12.43% on CET1 ratio for Q2 2026, 7.14 points below the 19.57% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.43% |
| Tier 1 risk-based capital ratio | 12.43% |
| Total risk-based capital ratio | 13.43% |
| Tier 1 leverage ratio | 10.38% |
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 | $8.9M |
| Tier 1 capital | $8.9M |
| Total risk-based capital | $9.6M |
| Total equity capital | $8.6M |
| Risk-weighted assets | $71.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.25% |
| Tangible equity to tangible assets | 10.25% |
| Equity capital to average assets | 10.06% |
| Internal capital growth rate | 12.97% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $98K |
| Common stock surplus | $5.4M |
| Retained earnings | $3.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$325K |
| 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 | 11.90% | 11.90% | 13.09% | 9.18% | $60.8M |
| Q4 2023 | 12.10% | 12.10% | 13.27% | 9.24% | $61.5M |
| Q1 2024 | 11.84% | 11.84% | 13.00% | 9.06% | $61.7M |
| Q2 2024 | 11.87% | 11.87% | 13.01% | 9.31% | $62.7M |
| Q3 2024 | 12.12% | 12.12% | 13.26% | 9.35% | $62.8M |
| Q4 2024 | 12.56% | 12.56% | 13.70% | 9.62% | $62.8M |
| Q1 2025 | 12.04% | 12.04% | 13.15% | 9.26% | $64.7M |
| Q2 2025 | 12.15% | 12.15% | 13.23% | 9.65% | $66.2M |
| Q3 2025 | 11.96% | 11.96% | 13.00% | 9.83% | $69.4M |
| Q4 2025 | 12.15% | 12.15% | 13.15% | 10.04% | $71.7M |
| Q1 2026 | 12.20% | 12.20% | 13.21% | 9.82% | $70.8M |
| Q2 2026 | 12.43% | 12.43% | 13.43% | 10.38% | $71.6M |
Independence State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Independence State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10741) · FFIEC NIC profile (RSSD 396057)