Independent 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 largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 7.5% to $1.76B. On CET1 ratio, Independent Bank is 3rd from the bottom among 71 Tennessee banks, 10.22% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Independent Bank sits 3.26 points lower, at 10.22% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.22% |
| Tier 1 risk-based capital ratio | 10.22% |
| Total risk-based capital ratio | 11.05% |
| Tier 1 leverage ratio | 10.60% |
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 | $180.4M |
| Tier 1 capital | $180.4M |
| Total risk-based capital | $195.1M |
| Total equity capital | $195.1M |
| Risk-weighted assets | $1.76B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.52% |
| Tangible equity to tangible assets | 9.81% |
| Equity capital to average assets | 11.37% |
| Internal capital growth rate | 12.04% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $350K |
| Common stock surplus | $81.2M |
| Retained earnings | $113.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $3K |
| 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 | 10.87% | 10.87% | 12.02% | 10.76% | $1.34B |
| Q4 2023 | 10.92% | 10.92% | 12.02% | 10.70% | $1.37B |
| Q1 2024 | 10.78% | 10.78% | 11.88% | 10.71% | $1.38B |
| Q2 2024 | 10.19% | 10.19% | 11.19% | 10.71% | $1.50B |
| Q3 2024 | 10.69% | 10.69% | 11.68% | 10.49% | $1.46B |
| Q4 2024 | 10.45% | 10.45% | 11.41% | 10.42% | $1.51B |
| Q1 2025 | 10.89% | 10.89% | 11.87% | 10.70% | $1.47B |
| Q2 2025 | 9.82% | 9.82% | 10.65% | 10.62% | $1.75B |
| Q3 2025 | 10.23% | 10.23% | 11.06% | 10.09% | $1.69B |
| Q4 2025 | 10.45% | 10.45% | 11.27% | 10.44% | $1.70B |
| Q1 2026 | 10.62% | 10.62% | 11.48% | 10.49% | $1.64B |
| Q2 2026 | 10.22% | 10.22% | 11.05% | 10.60% | $1.76B |
Independent Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Independent 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 Independent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34728) · FFIEC NIC profile (RSSD 2666400)