Insbank: 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.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 4.3% to $63.9M. On CET1 ratio, Insbank is 6th from the bottom among 71 Tennessee banks, 11.00% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Insbank sits 2.49 points lower, at 11.00% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.00% |
| Tier 1 risk-based capital ratio | 11.00% |
| Total risk-based capital ratio | 12.19% |
| Tier 1 leverage ratio | 10.20% |
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 | $109.8M |
| Tier 1 capital | $109.8M |
| Total risk-based capital | $121.6M |
| Total equity capital | $107.4M |
| Risk-weighted assets | $997.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.95% |
| Tangible equity to tangible assets | 9.95% |
| Equity capital to average assets | 9.97% |
| Internal capital growth rate | 10.10% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $59K |
| Common stock surplus | $45.8M |
| Retained earnings | $63.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.4M |
| 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 | 12.14% | 12.14% | 13.38% | 11.41% | $757.3M |
| Q4 2023 | 12.29% | 12.29% | 13.54% | 11.37% | $765.3M |
| Q1 2024 | 12.61% | 12.61% | 13.86% | 11.51% | $758.4M |
| Q2 2024 | 12.52% | 12.52% | 13.77% | 11.66% | $773.7M |
| Q3 2024 | 12.69% | 12.69% | 13.94% | 11.78% | $782.1M |
| Q4 2024 | 11.90% | 11.90% | 13.11% | 11.53% | $849.4M |
| Q1 2025 | 11.95% | 11.95% | 13.18% | 11.33% | $856.8M |
| Q2 2025 | 12.01% | 12.01% | 13.26% | 11.28% | $874.0M |
| Q3 2025 | 12.05% | 12.05% | 13.30% | 11.08% | $887.6M |
| Q4 2025 | 10.97% | 10.97% | 12.14% | 10.66% | $955.3M |
| Q1 2026 | 11.01% | 11.01% | 12.20% | 10.06% | $972.9M |
| Q2 2026 | 11.00% | 11.00% | 12.19% | 10.20% | $997.6M |
Insbank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Insbank, 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 Insbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35521) · FFIEC NIC profile (RSSD 2877345)