Inspire Trust Company, N.A.: 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 standout move of Q2 2026 was in Equity capital to average assets: 10.69 percentage points higher than in Q1 2026, at 104.59%. Against a median of 19.57% for banks in the < $100M asset tier, Inspire Trust Company, N.A. reported 258.61% on CET1 ratio in Q2 2026, 239.05 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 258.61% |
| Tier 1 risk-based capital ratio | 258.61% |
| Total risk-based capital ratio | 258.61% |
| Tier 1 leverage ratio | 104.59% |
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 | $13.2M |
| Tier 1 capital | $13.2M |
| Total risk-based capital | $13.2M |
| Total equity capital | $13.2M |
| Risk-weighted assets | $5.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 95.54% |
| Tangible equity to tangible assets | 95.54% |
| Equity capital to average assets | 104.59% |
| Internal capital growth rate | -48.74% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $16.0M |
| Common stock surplus | $0 |
| Retained earnings | -$2.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 464.61% | 464.61% | 464.61% | 282.54% | $1.8M |
| Q4 2023 | 421.94% | 421.94% | 421.94% | 91.00% | $2.1M |
| Q1 2024 | 382.11% | 382.11% | 382.11% | 99.69% | $2.3M |
| Q2 2024 | 347.37% | 347.37% | 347.37% | 100.02% | $2.5M |
| Q3 2024 | 329.14% | 329.14% | 329.14% | 101.12% | $2.8M |
| Q4 2024 | 323.90% | 323.90% | 323.90% | 102.16% | $3.1M |
| Q1 2025 | 313.65% | 313.65% | 313.65% | 97.57% | $3.4M |
| Q2 2025 | 313.55% | 313.55% | 313.55% | 105.66% | $3.7M |
| Q3 2025 | 308.17% | 308.17% | 308.17% | 110.84% | $4.2M |
| Q4 2025 | 261.38% | 261.38% | 261.38% | 93.87% | $5.2M |
| Q1 2026 | 274.26% | 274.26% | 274.26% | 93.91% | $5.5M |
| Q2 2026 | 258.61% | 258.61% | 258.61% | 104.59% | $5.1M |
Inspire Trust Company, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Inspire Trust Company, N.A., 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 Inspire Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 5805488)