Independent Correspondent Bankers' Bank, Inc.: 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 Equity capital to total assets, which fell 0.71 percentage points to 13.94%. Within Kentucky, Independent Correspondent Bankers' Bank, Inc. is 13th of 69 on CET1 ratio, 22.65% as of Q2 2026, above the middle of the field. Against a median of 15.07% for banks in the $100M-1B asset tier, Independent Correspondent Bankers' Bank, Inc. reported 22.65% on CET1 ratio in Q2 2026, 7.57 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 22.65% |
| Tier 1 risk-based capital ratio | 22.65% |
| Total risk-based capital ratio | 23.90% |
| Tier 1 leverage ratio | 13.21% |
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 | $21.2M |
| Tier 1 capital | $21.2M |
| Total risk-based capital | $22.3M |
| Total equity capital | $21.1M |
| Risk-weighted assets | $93.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.94% |
| Tangible equity to tangible assets | 13.94% |
| Equity capital to average assets | 13.18% |
| Internal capital growth rate | 6.31% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $498K |
| Common stock surplus | $9.5M |
| Retained earnings | $11.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$53K |
| 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 | 23.02% | 23.02% | 24.17% | 11.89% | $79.1M |
| Q4 2023 | 25.54% | 25.54% | 26.77% | 13.44% | $71.9M |
| Q1 2024 | 23.89% | 23.89% | 25.14% | 13.07% | $77.4M |
| Q2 2024 | 20.79% | 20.79% | 21.92% | 12.92% | $90.1M |
| Q3 2024 | 23.31% | 23.31% | 24.56% | 12.03% | $81.1M |
| Q4 2024 | 21.22% | 21.22% | 22.31% | 12.92% | $91.1M |
| Q1 2025 | 20.27% | 20.27% | 21.45% | 13.59% | $96.6M |
| Q2 2025 | 22.23% | 22.23% | 23.48% | 13.72% | $90.0M |
| Q3 2025 | 22.03% | 22.03% | 23.28% | 13.98% | $92.5M |
| Q4 2025 | 21.14% | 21.14% | 22.36% | 13.56% | $97.8M |
| Q1 2026 | 21.32% | 21.32% | 22.57% | 12.70% | $97.7M |
| Q2 2026 | 22.65% | 22.65% | 23.90% | 13.21% | $93.5M |
Independent Correspondent Bankers' Bank, Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Independent Correspondent Bankers' Bank, Inc., 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 Correspondent Bankers' Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27219) · FFIEC NIC profile (RSSD 1187551)