INTRUST Bank, N.A.: 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 4.7% in Q2 2026 to $501.4M, the biggest move on this page. Within Kansas, INTRUST Bank, N.A. is 53rd of 85 on CET1 ratio, 13.66% as of Q2 2026, below the middle of the field. At 13.66%, INTRUST Bank, N.A.'s CET1 ratio is close to the 13.48% median for banks in the $1B-10B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.66% |
| Tier 1 risk-based capital ratio | 13.66% |
| Total risk-based capital ratio | 14.62% |
| Tier 1 leverage ratio | 10.76% |
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 | $764.2M |
| Tier 1 capital | $764.2M |
| Total risk-based capital | $817.9M |
| Total equity capital | $501.4M |
| Risk-weighted assets | $5.60B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.41% |
| Tangible equity to tangible assets | 7.21% |
| Equity capital to average assets | 7.06% |
| Internal capital growth rate | 16.54% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $12.0M |
| Common stock surplus | $94.6M |
| Retained earnings | $671.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$276.9M |
| 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 | 12.53% | 12.53% | 13.49% | 9.23% | $5.62B |
| Q4 2023 | 12.49% | 12.49% | 13.45% | 8.82% | $5.56B |
| Q1 2024 | 12.57% | 12.57% | 13.53% | 9.12% | $5.56B |
| Q2 2024 | 12.54% | 12.54% | 13.56% | 9.31% | $5.61B |
| Q3 2024 | 12.87% | 12.87% | 13.95% | 9.39% | $5.53B |
| Q4 2024 | 13.16% | 13.16% | 14.20% | 9.60% | $5.50B |
| Q1 2025 | 13.20% | 13.20% | 14.23% | 9.97% | $5.57B |
| Q2 2025 | 13.12% | 13.12% | 14.16% | 9.92% | $5.54B |
| Q3 2025 | 13.60% | 13.60% | 14.58% | 10.24% | $5.39B |
| Q4 2025 | 13.47% | 13.47% | 14.41% | 10.19% | $5.40B |
| Q1 2026 | 13.50% | 13.50% | 14.45% | 10.45% | $5.51B |
| Q2 2026 | 13.66% | 13.66% | 14.62% | 10.76% | $5.60B |
INTRUST Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock INTRUST Bank, N.A., 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 INTRUST Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4799) · FFIEC NIC profile (RSSD 557858)