Intracoastal 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%.
Retained earnings rose 2.7% from Q1 2026 to Q2 2026, ending at $30.7M against $29.9M. It was the largest change among the key lines on this page. Within Florida, Intracoastal Bank is 48th of 56 on CET1 ratio, 11.83% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Intracoastal Bank sits 3.24 points lower, at 11.83% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.83% |
| Tier 1 risk-based capital ratio | 11.83% |
| Total risk-based capital ratio | 13.08% |
| Tier 1 leverage ratio | 9.77% |
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 | $56.4M |
| Tier 1 capital | $56.4M |
| Total risk-based capital | $62.3M |
| Total equity capital | $44.4M |
| Risk-weighted assets | $476.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.75% |
| Tangible equity to tangible assets | 7.75% |
| Equity capital to average assets | 7.70% |
| Internal capital growth rate | 7.43% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $7.7M |
| Common stock surplus | $17.9M |
| Retained earnings | $30.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.0M |
| 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 | 10.64% | 10.64% | 11.89% | 9.45% | $446.3M |
| Q4 2023 | 11.18% | 11.18% | 12.43% | 10.10% | $448.9M |
| Q1 2024 | 10.80% | 10.80% | 12.05% | 9.75% | $466.7M |
| Q2 2024 | 10.82% | 10.82% | 12.06% | 9.54% | $472.0M |
| Q3 2024 | 10.70% | 10.70% | 11.90% | 9.48% | $483.7M |
| Q4 2024 | 10.63% | 10.63% | 11.88% | 9.11% | $490.8M |
| Q1 2025 | 10.62% | 10.62% | 11.87% | 9.06% | $497.2M |
| Q2 2025 | 10.74% | 10.74% | 11.99% | 9.15% | $500.4M |
| Q3 2025 | 11.09% | 11.09% | 12.34% | 9.50% | $495.6M |
| Q4 2025 | 11.44% | 11.44% | 12.69% | 9.69% | $487.8M |
| Q1 2026 | 11.60% | 11.60% | 12.85% | 9.81% | $479.0M |
| Q2 2026 | 11.83% | 11.83% | 13.08% | 9.77% | $476.6M |
Intracoastal Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Intracoastal 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 Intracoastal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58692) · FFIEC NIC profile (RSSD 3786435)