Insouth 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 biggest quarter-over-quarter change on this page was a small one: Equity capital to total assets edged down 0.23 percentage points between Q1 2026 and Q2 2026, to 7.61%. On CET1 ratio, Insouth Bank is 2nd from the bottom among 71 Tennessee banks, 10.19% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Insouth Bank sits 4.88 points lower, at 10.19% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.19% |
| Tier 1 risk-based capital ratio | 10.19% |
| Total risk-based capital ratio | 11.24% |
| Tier 1 leverage ratio | 8.48% |
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 | $49.8M |
| Tier 1 capital | $49.8M |
| Total risk-based capital | $55.0M |
| Total equity capital | $45.0M |
| Risk-weighted assets | $488.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.61% |
| Tangible equity to tangible assets | 7.61% |
| Equity capital to average assets | 7.66% |
| Internal capital growth rate | 4.22% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.1M |
| Common stock surplus | $22.0M |
| Retained earnings | $25.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.8M |
| 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 | — | — | — | 9.39% | — |
| Q4 2023 | — | — | — | 9.22% | — |
| Q1 2024 | — | — | — | 9.18% | — |
| Q2 2024 | — | — | — | 9.21% | — |
| Q3 2024 | — | — | — | 9.12% | — |
| Q4 2024 | — | — | — | 8.99% | — |
| Q1 2025 | 10.68% | 10.68% | 11.93% | 8.78% | $446.0M |
| Q2 2025 | 10.65% | 10.65% | 11.90% | 8.76% | $449.5M |
| Q3 2025 | 10.21% | 10.21% | 11.35% | 8.68% | $473.0M |
| Q4 2025 | 10.09% | 10.09% | 11.12% | 8.53% | $485.5M |
| Q1 2026 | 10.12% | 10.12% | 11.17% | 8.59% | $487.5M |
| Q2 2026 | 10.19% | 10.19% | 11.24% | 8.48% | $488.8M |
Insouth Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Insouth 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 Insouth Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22020) · FFIEC NIC profile (RSSD 329550)