International Finance 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%.
Compared with Q1 2026, Risk-weighted assets rose 6.5% in Q2 2026 to $1.30B, the biggest move on this page. International Finance Bank has the 2nd lowest CET1 ratio of the 56 banks headquartered in Florida, at 10.25% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. International Finance Bank sits 3.23 points lower, at 10.25% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.25% |
| Tier 1 risk-based capital ratio | 10.25% |
| Total risk-based capital ratio | 11.50% |
| Tier 1 leverage ratio | 8.31% |
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 | $133.0M |
| Tier 1 capital | $133.0M |
| Total risk-based capital | $149.2M |
| Total equity capital | $132.2M |
| Risk-weighted assets | $1.30B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.17% |
| Tangible equity to tangible assets | 8.15% |
| Equity capital to average assets | 8.26% |
| Internal capital growth rate | 8.40% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $43.3M |
| Common stock surplus | $20.0M |
| Retained earnings | $70.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | 12.30% | 12.30% | 13.55% | 9.60% | $804.2M |
| Q4 2023 | 12.63% | 12.63% | 13.89% | 9.78% | $804.7M |
| Q1 2024 | 12.68% | 12.68% | 13.94% | 9.88% | $838.7M |
| Q2 2024 | 12.11% | 12.11% | 13.36% | 9.79% | $896.8M |
| Q3 2024 | 12.45% | 12.45% | 13.70% | 9.47% | $893.7M |
| Q4 2024 | 11.27% | 11.27% | 12.52% | 9.35% | $1.01B |
| Q1 2025 | 11.17% | 11.17% | 12.42% | 8.91% | $1.04B |
| Q2 2025 | 10.95% | 10.95% | 12.21% | 8.60% | $1.08B |
| Q3 2025 | 10.75% | 10.75% | 12.00% | 8.68% | $1.13B |
| Q4 2025 | 10.58% | 10.58% | 11.83% | 8.70% | $1.19B |
| Q1 2026 | 10.71% | 10.71% | 11.96% | 8.46% | $1.22B |
| Q2 2026 | 10.25% | 10.25% | 11.50% | 8.31% | $1.30B |
International Finance Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock International Finance 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 International Finance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24823) · FFIEC NIC profile (RSSD 867632)