International Bank of Chicago: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 12.95% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 12.95% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 19.69% +13.19 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $122.9M | 122,928 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $624.4M | 624,389 | RCOAA223 |
| Recomputed ratio | 19.69% | numerator / denominator | |
| Filed ratio | 19.69% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +13.19 pp | $82.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 19.69% +11.69 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $122.9M | 122,928 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $624.4M | 624,389 | RCOAA223 |
| Recomputed ratio | 19.69% | numerator / denominator | |
| Filed ratio | 19.69% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +11.69 pp | $73.0M | capital that could be lost first |
Total risk-based capital ratio 20.95% +10.95 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $130.8M | 130,798 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $624.4M | 624,389 | RCOAA223 |
| Recomputed ratio | 20.95% | numerator / denominator | |
| Filed ratio | 20.95% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +10.95 pp | $68.4M | capital that could be lost first |
Tier 1 leverage ratio 12.54% +7.54 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $122.9M | 122,928 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $980.1M | 980,110 | RCOAA224 |
| Recomputed ratio | 12.54% | numerator / denominator | |
| Filed ratio | 12.54% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +7.54 pp | $73.9M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 22,962 | 22,962 | 22,962 | 22,962 | 22,962 | 22,962 | RCOAP742 |
| Retained earnings | 99,966 | 100,944 | 97,119 | 92,909 | 89,554 | 89,882 | RCOAKW00 |
| Accumulated other comprehensive income | (9,294) | (9,129) | (8,294) | (9,093) | (10,573) | (11,308) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 113,634 | 114,777 | 111,787 | 106,778 | 101,943 | 101,536 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 9,294 | 9,129 | 8,294 | 9,093 | 10,573 | 11,308 | P859 - P840 |
| Common equity Tier 1 capital | 122,928 | 123,906 | 120,081 | 115,871 | 112,516 | 112,844 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 122,928 | 123,906 | 120,081 | 115,871 | 112,516 | 112,844 | RCOA8274 |
| Tier 2 capital | 7,870 | 7,953 | 7,782 | 7,966 | 8,038 | 8,180 | RCOA5311 |
| Allowance includable in Tier 2 capital | 7,870 | 7,953 | 7,782 | 7,966 | 8,038 | 8,180 | RCOA5310 |
| Total capital | 130,798 | 131,859 | 127,863 | 123,837 | 120,554 | 121,024 | RCOA3792 |
| Total risk-weighted assets | 624,389 | 631,063 | 617,287 | 631,823 | 637,258 | 648,620 | RCOAA223 |
| Average total assets for the leverage ratio | 980,110 | 985,452 | 981,425 | 978,762 | 992,310 | 994,925 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $97.0M | $112K | 0.12% | 0.02% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $140.4M | $21.4M | 15.27% | 3.41% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $303.0M | $152.7M | 50.41% | 24.26% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $1.1M | $1.6M | 150.00% | 0.26% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $380K | $570K | 150.00% | 0.09% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $443.2M | $419.8M | 94.71% | 66.67% | RC-R Part II, item 4.d, 5.d |
| All other assets | $19.4M | $16.5M | 84.90% | 2.62% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $18.6M | $16.8M | 90.45% | 2.67% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | -$400 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $629.6M | ties to item 31 ($629.6M) |
|---|---|---|
| Risk-weighted assets before deductions | $629.6M | RCONB704 |
| Less: excess allowance for credit losses | $5.2M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $624.4M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 19.69% | 19.69% | 20.95% | 12.54% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 19.63% | 19.63% | 20.89% | 12.57% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 19.45% | 19.45% | 20.71% | 12.24% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 18.34% | 18.34% | 19.60% | 11.84% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 17.66% | 17.66% | 18.92% | 11.34% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 17.40% | 17.40% | 18.66% | 11.34% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 16.48% | 16.48% | 17.74% | 11.12% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 16.04% | 16.04% | 17.30% | 10.74% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 15.63% | 15.63% | 16.89% | 10.50% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 17.05% | 17.05% | 18.31% | 11.02% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 17.10% | 17.10% | 18.36% | 11.22% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 16.70% | 16.70% | 17.96% | 10.74% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| International Bank of Chicago (this bank) | Risk-based | 19.69% | 19.69% | 20.95% | 12.54% | |
| First Northern Bank of Wyoming | $982.6M | Risk-based | 10.79% | 10.79% | 11.83% | 7.93% |
| First National Bankers Bank | $983.0M | CBLR | NA | NA | NA | 16.14% |
| Beacon Community Bank | $982.3M | Risk-based | 10.82% | 10.82% | 12.02% | 8.46% |
| Tolleson Private Bank | $982.0M | Risk-based | 13.77% | 13.77% | 15.02% | 9.37% |
| Coastal Heritage Bank | $983.6M | CBLR | NA | NA | NA | 11.54% |
| Midwest Bank | $984.5M | CBLR | NA | NA | NA | 9.84% |
| Resource Bank | $980.7M | CBLR | NA | NA | NA | 12.80% |
| Community First Bank of Indiana | $980.3M | Risk-based | 9.85% | 9.85% | 11.56% | 9.92% |
| Potomac Bank, Inc. | $980.2M | Risk-based | 12.97% | 12.97% | 14.06% | 9.85% |
| Haven Savings Bank | $986.9M | Risk-based | 13.24% | 13.24% | 14.22% | 8.71% |
| Peer 25th percentile | 10.79% | 10.79% | 11.88% | 8.88% | ||
| Peer median | 11.89% | 11.89% | 13.04% | 9.84% | ||
| Peer 75th percentile | 13.17% | 13.17% | 14.18% | 11.14% | ||
| This bank's percentile | 100 | 100 | 100 | 80 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/2006024/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.