ION 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%.
Accumulated other comprehensive income dropped 21.4% in Q2 2026, from -$3.3M to -$4.0M. It was the largest change from Q1 2026 among the key lines here. ION Bank ranks 6th of 17 Connecticut banks on CET1 ratio, in the upper half at 15.75% (Q2 2026). ION Bank reported 15.75% on CET1 ratio for Q2 2026, 2.27 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.75% |
| Tier 1 risk-based capital ratio | 15.75% |
| Total risk-based capital ratio | 16.82% |
| Tier 1 leverage ratio | 11.91% |
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 | $325.7M |
| Tier 1 capital | $325.7M |
| Total risk-based capital | $347.9M |
| Total equity capital | $341.2M |
| Risk-weighted assets | $2.07B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.26% |
| Tangible equity to tangible assets | 11.65% |
| Equity capital to average assets | 12.39% |
| Internal capital growth rate | 8.29% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $132.2M |
| Retained earnings | $213.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.0M |
| 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 | 11.91% | 11.91% | 13.06% | 8.78% | $1.61B |
| Q4 2023 | 12.04% | 12.04% | 13.16% | 8.81% | $1.62B |
| Q1 2024 | 12.29% | 12.29% | 13.41% | 9.08% | $1.62B |
| Q2 2024 | 12.06% | 12.06% | 13.16% | 9.67% | $1.69B |
| Q3 2024 | 12.66% | 12.66% | 13.78% | 9.64% | $1.65B |
| Q4 2024 | 12.52% | 12.52% | 13.61% | 10.00% | $1.69B |
| Q1 2025 | 12.25% | 12.25% | 13.31% | 10.00% | $1.75B |
| Q2 2025 | 15.64% | 15.64% | 16.66% | 12.63% | $2.07B |
| Q3 2025 | 15.78% | 15.78% | 16.80% | 11.91% | $2.10B |
| Q4 2025 | 14.87% | 14.87% | 15.92% | 11.36% | $2.10B |
| Q1 2026 | 15.30% | 15.30% | 16.36% | 11.60% | $2.08B |
| Q2 2026 | 15.75% | 15.75% | 16.82% | 11.91% | $2.07B |
ION Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock ION 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 ION Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18198) · FFIEC NIC profile (RSSD 407506)