Investment Savings 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%.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.28 percentage points to 21.12%.
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 | 21.72% |
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 | $23.3M |
| Tier 1 capital | $23.3M |
| Total risk-based capital | — |
| Total equity capital | $22.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 21.12% |
| Tangible equity to tangible assets | 21.12% |
| Equity capital to average assets | 20.70% |
| Internal capital growth rate | 2.17% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $23.3M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 22.15% | 18.80% | 18.80% |
| Q4 2023 | 22.34% | 19.49% | 19.49% |
| Q1 2024 | 21.86% | 18.91% | 18.91% |
| Q2 2024 | 21.62% | 19.22% | 19.22% |
| Q3 2024 | 21.57% | 20.44% | 20.44% |
| Q4 2024 | 22.18% | 20.22% | 20.22% |
| Q1 2025 | 21.66% | 20.13% | 20.13% |
| Q2 2025 | 21.79% | 20.75% | 20.75% |
| Q3 2025 | 21.73% | 20.94% | 20.94% |
| Q4 2025 | 21.86% | 20.83% | 20.83% |
| Q1 2026 | 21.74% | 20.84% | 20.84% |
| Q2 2026 | 21.72% | 21.12% | 21.12% |
Investment Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Investment Savings 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 Investment Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30121) · FFIEC NIC profile (RSSD 854173)