Interbank: 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 Equity capital to total assets: 0.79 percentage points higher than in Q1 2026, at 12.45%.
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 | 11.06% |
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 | $578.2M |
| Tier 1 capital | $578.2M |
| Total risk-based capital | — |
| Total equity capital | $663.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.45% |
| Tangible equity to tangible assets | 11.02% |
| Equity capital to average assets | 12.49% |
| Internal capital growth rate | 15.66% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $19.4M |
| Common stock surplus | $206.8M |
| Retained earnings | $437.0M |
| 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 | 11.09% | 11.09% | 11.79% | 11.89% | $4.46B |
| Q4 2023 | 9.93% | 9.93% | 10.61% | 10.70% | $4.57B |
| Q1 2024 | 10.38% | 10.38% | 11.05% | 10.79% | $4.66B |
| Q2 2024 | 10.78% | 10.78% | 11.44% | 11.37% | $4.73B |
| Q3 2024 | 11.49% | 11.49% | 12.36% | 11.83% | $4.60B |
| Q4 2024 | 9.92% | 9.92% | 10.78% | 10.26% | $4.64B |
| Q1 2025 | 9.81% | 9.81% | 10.61% | 10.75% | $4.94B |
| Q2 2025 | 9.90% | 9.90% | 10.67% | 10.87% | $5.17B |
| Q3 2025 | 10.17% | 10.17% | 10.90% | 10.85% | $5.29B |
| Q4 2025 | 9.82% | 9.82% | 10.54% | 10.07% | $5.38B |
| Q1 2026 | — | — | — | 10.40% | — |
| Q2 2026 | — | — | — | 11.06% | — |
Interbank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Interbank, 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 Interbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27210) · FFIEC NIC profile (RSSD 1187001)