Integro 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%.
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.
Equity capital to average assets dropped 0.82 percentage points in Q2 2026, from 11.04% to 10.22%. It was the largest change from Q1 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.93% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $19.5M |
| Tier 1 capital | $19.5M |
| Total risk-based capital | — |
| Total equity capital | $20.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.29% |
| Tangible equity to tangible assets | 9.95% |
| Equity capital to average assets | 10.22% |
| Internal capital growth rate | -10.19% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.5M |
| Common stock surplus | $32.8M |
| Retained earnings | -$16.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$110K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 45.64% | 45.57% | 45.57% |
| Q4 2023 | 40.24% | 35.58% | 35.58% |
| Q1 2024 | 31.90% | 28.12% | 28.12% |
| Q2 2024 | 25.06% | 24.86% | 24.86% |
| Q3 2024 | 20.82% | 16.63% | 16.55% |
| Q4 2024 | 15.70% | 13.53% | 13.53% |
| Q1 2025 | 12.88% | 11.98% | 11.79% |
| Q2 2025 | 12.63% | 11.72% | 11.41% |
| Q3 2025 | 13.67% | 13.40% | 13.08% |
| Q4 2025 | 12.00% | 11.64% | 11.29% |
| Q1 2026 | 10.73% | 10.61% | 10.27% |
| Q2 2026 | 9.93% | 10.29% | 9.95% |
Integro Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Integro 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 Integro Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59283) · FFIEC NIC profile (RSSD 5758436)