Integrity Bank & Trust: 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 Accumulated other comprehensive income: 14.4% higher than in Q1 2026, at -$1.5M. Integrity Bank & Trust ranks 27th of 34 Colorado banks on CET1 ratio, in the lower half at 12.61% (Q2 2026). Integrity Bank & Trust reported 12.61% on CET1 ratio for Q2 2026, 2.46 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.61% |
| Tier 1 risk-based capital ratio | 12.61% |
| Total risk-based capital ratio | 13.85% |
| Tier 1 leverage ratio | 9.11% |
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 | $41.0M |
| Tier 1 capital | $41.0M |
| Total risk-based capital | $45.0M |
| Total equity capital | $40.6M |
| Risk-weighted assets | $324.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.84% |
| Tangible equity to tangible assets | 8.84% |
| Equity capital to average assets | 9.01% |
| Internal capital growth rate | 8.87% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $40K |
| Common stock surplus | $12.2M |
| Retained earnings | $29.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.5M |
| 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 | 14.76% | 14.76% | 16.02% | 8.97% | $205.9M |
| Q4 2023 | 14.89% | 14.89% | 16.15% | 9.28% | $208.0M |
| Q1 2024 | 14.87% | 14.87% | 16.13% | 9.21% | $213.2M |
| Q2 2024 | 14.52% | 14.52% | 15.78% | 9.37% | $223.1M |
| Q3 2024 | 13.21% | 13.21% | 14.47% | 9.32% | $250.4M |
| Q4 2024 | 12.79% | 12.79% | 14.01% | 9.18% | $261.0M |
| Q1 2025 | 12.59% | 12.59% | 13.79% | 9.13% | $272.0M |
| Q2 2025 | 11.52% | 11.52% | 12.63% | 8.56% | $306.1M |
| Q3 2025 | 11.63% | 11.63% | 12.82% | 8.32% | $312.5M |
| Q4 2025 | 12.26% | 12.26% | 13.50% | 8.34% | $304.2M |
| Q1 2026 | 12.80% | 12.80% | 14.03% | 8.95% | $313.1M |
| Q2 2026 | 12.61% | 12.61% | 13.85% | 9.11% | $324.9M |
Integrity Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Integrity Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57587) · FFIEC NIC profile (RSSD 3160978)