Interstate 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, Total equity capital rose 4.0% in Q2 2026 to $18.6M, the biggest move on this page.
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 | 9.36% |
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 | $26.9M |
| Tier 1 capital | $26.9M |
| Total risk-based capital | — |
| Total equity capital | $18.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.44% |
| Tangible equity to tangible assets | 6.31% |
| Equity capital to average assets | 6.45% |
| Internal capital growth rate | 8.77% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $532K |
| Common stock surplus | $6.2M |
| Retained earnings | $20.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.8M |
| 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 | 9.71% | 3.91% | 3.76% |
| Q4 2023 | 9.70% | 4.91% | 4.78% |
| Q1 2024 | 9.43% | 5.24% | 5.10% |
| Q2 2024 | 9.61% | 4.95% | 4.81% |
| Q3 2024 | 9.75% | 5.99% | 5.85% |
| Q4 2024 | 9.62% | 5.02% | 4.88% |
| Q1 2025 | 9.86% | 5.76% | 5.63% |
| Q2 2025 | 10.02% | 5.91% | 5.78% |
| Q3 2025 | 10.19% | 6.88% | 6.75% |
| Q4 2025 | 9.43% | 6.46% | 6.32% |
| Q1 2026 | 9.30% | 6.10% | 5.98% |
| Q2 2026 | 9.36% | 6.44% | 6.31% |
Interstate Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Interstate 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 Interstate Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31043) · FFIEC NIC profile (RSSD 791072)