Industrial 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 Total risk-based capital ratio, which rose 0.70 percentage points to 26.89%. Industrial Bank's CET1 ratio of 25.63% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 10.55 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 25.63% |
| Tier 1 risk-based capital ratio | 25.63% |
| Total risk-based capital ratio | 26.89% |
| Tier 1 leverage ratio | 15.23% |
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 | $119.6M |
| Tier 1 capital | $119.6M |
| Total risk-based capital | $125.6M |
| Total equity capital | $106.9M |
| Risk-weighted assets | $466.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.80% |
| Tangible equity to tangible assets | 13.80% |
| Equity capital to average assets | 13.60% |
| Internal capital growth rate | 0.19% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.2M |
| Common stock surplus | $77.8M |
| Retained earnings | $38.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.8M |
| 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 | 27.05% | 27.05% | 28.31% | 15.92% | $436.7M |
| Q4 2023 | 27.34% | 27.34% | 28.60% | 15.92% | $436.2M |
| Q1 2024 | 27.14% | 27.14% | 28.40% | 16.04% | $439.1M |
| Q2 2024 | 26.64% | 26.64% | 27.90% | 15.95% | $447.6M |
| Q3 2024 | 27.36% | 27.36% | 28.62% | 15.65% | $439.6M |
| Q4 2024 | 26.28% | 26.28% | 27.54% | 15.62% | $457.8M |
| Q1 2025 | 25.63% | 25.63% | 26.89% | 15.34% | $463.8M |
| Q2 2025 | 25.62% | 25.62% | 26.89% | 15.35% | $463.0M |
| Q3 2025 | 25.69% | 25.69% | 26.96% | 15.58% | $467.6M |
| Q4 2025 | 25.50% | 25.50% | 26.77% | 15.09% | $468.9M |
| Q1 2026 | 24.93% | 24.93% | 26.19% | 15.13% | $479.7M |
| Q2 2026 | 25.63% | 25.63% | 26.89% | 15.23% | $466.9M |
Industrial Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Industrial 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 Industrial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14679) · FFIEC NIC profile (RSSD 536527)