Integrity Bank Plus: 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 standout move of Q2 2026 was in Retained earnings: 11.6% higher than in Q1 2026, at $3.2M. Within Minnesota, Integrity Bank Plus is 70th of 162 on CET1 ratio, 14.97% as of Q2 2026. The median for banks in the < $100M asset tier is 19.96% on CET1 ratio. Integrity Bank Plus sits 4.99 points lower, at 14.97% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.97% |
| Tier 1 risk-based capital ratio | 14.97% |
| Total risk-based capital ratio | 16.23% |
| Tier 1 leverage ratio | 11.52% |
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 | $10.8M |
| Tier 1 capital | $10.8M |
| Total risk-based capital | $11.7M |
| Total equity capital | $9.9M |
| Risk-weighted assets | $71.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.69% |
| Tangible equity to tangible assets | 10.26% |
| Equity capital to average assets | 10.63% |
| Internal capital growth rate | 14.11% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $7.8M |
| Retained earnings | $3.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.2M |
| 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 | 13.58% | 13.58% | 14.83% | 10.45% | $65.7M |
| Q4 2023 | 12.54% | 12.54% | 13.80% | 10.04% | $69.4M |
| Q1 2024 | 12.67% | 12.67% | 13.93% | 9.90% | $71.0M |
| Q2 2024 | 14.14% | 14.14% | 15.40% | 10.49% | $66.5M |
| Q3 2024 | 14.92% | 14.92% | 16.18% | 10.74% | $65.1M |
| Q4 2024 | 14.62% | 14.62% | 15.87% | 10.53% | $63.1M |
| Q1 2025 | 15.77% | 15.77% | 17.02% | 10.75% | $60.2M |
| Q2 2025 | 13.80% | 13.80% | 15.06% | 11.16% | $70.1M |
| Q3 2025 | 14.77% | 14.77% | 16.02% | 11.32% | $67.2M |
| Q4 2025 | 14.01% | 14.01% | 15.26% | 11.26% | $71.8M |
| Q1 2026 | 14.64% | 14.64% | 15.89% | 11.38% | $71.2M |
| Q2 2026 | 14.97% | 14.97% | 16.23% | 11.52% | $71.9M |
Integrity Bank Plus regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Integrity Bank Plus, 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 Integrity Bank Plus profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15578) · FFIEC NIC profile (RSSD 897451)