The International Bank of Amherst: 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 largest change between Q2 2026 and Q3 2026 was in Equity capital to average assets, which fell 0.42 percentage points to 13.93%.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.31% |
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 | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $14.8M |
| Tier 1 capital | $14.8M |
| Total risk-based capital | — |
| Total equity capital | $14.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 13.91% |
| Tangible equity to tangible assets | 13.91% |
| Equity capital to average assets | 13.93% |
| Internal capital growth rate | 8.40% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $6.0M |
| Retained earnings | $8.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$401K |
| 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 |
|---|---|---|---|
| Q4 2023 | 13.46% | 12.84% | 12.84% |
| Q1 2024 | 13.30% | 13.20% | 13.20% |
| Q2 2024 | 13.87% | 13.24% | 13.24% |
| Q3 2024 | 13.45% | 13.17% | 13.17% |
| Q4 2024 | 13.62% | 13.34% | 13.34% |
| Q1 2025 | 13.84% | 13.84% | 13.84% |
| Q2 2025 | 14.19% | 13.77% | 13.77% |
| Q3 2025 | 14.24% | 14.45% | 14.45% |
| Q4 2025 | 14.12% | 13.67% | 13.67% |
| Q1 2026 | 13.99% | 14.25% | 14.25% |
| Q2 2026 | 14.42% | 13.97% | 13.97% |
| Q3 2026 | 14.31% | 13.91% | 13.91% |
The International Bank of Amherst regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The International Bank of Amherst, 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 The International Bank of Amherst profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14907) · FFIEC NIC profile (RSSD 504647)