Iowa Falls State 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, Retained earnings rose 7.3% in Q2 2026 to $2.9M, the biggest move on this page. Within Iowa, Iowa Falls State Bank is 83rd of 114 on CET1 ratio, 12.37% as of Q2 2026, below the middle of the field. Iowa Falls State Bank reported 12.37% on CET1 ratio for Q2 2026, 2.70 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.37% |
| Tier 1 risk-based capital ratio | 12.37% |
| Total risk-based capital ratio | 13.19% |
| Tier 1 leverage ratio | 8.64% |
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 | $16.2M |
| Tier 1 capital | $16.2M |
| Total risk-based capital | $17.3M |
| Total equity capital | $30.6M |
| Risk-weighted assets | $130.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.19% |
| Tangible equity to tangible assets | 9.16% |
| Equity capital to average assets | 15.14% |
| Internal capital growth rate | 2.62% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $27.7M |
| Retained earnings | $2.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$209K |
| 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 | 9.48% | 9.48% | 10.18% | 7.96% | $117.7M |
| Q4 2023 | 9.87% | 9.87% | 10.63% | 7.91% | $120.8M |
| Q1 2024 | 9.77% | 9.77% | 10.55% | 8.00% | $129.0M |
| Q2 2024 | 10.25% | 10.25% | 11.03% | 8.36% | $131.0M |
| Q3 2024 | 10.51% | 10.51% | 11.31% | 8.34% | $130.5M |
| Q4 2024 | 11.13% | 11.13% | 11.97% | 8.45% | $128.5M |
| Q1 2025 | 11.85% | 11.85% | 12.69% | 8.80% | $129.3M |
| Q2 2025 | 12.52% | 12.52% | 13.37% | 8.82% | $125.9M |
| Q3 2025 | 12.01% | 12.01% | 12.82% | 8.97% | $134.7M |
| Q4 2025 | 12.61% | 12.61% | 13.44% | 8.78% | $131.7M |
| Q1 2026 | 11.90% | 11.90% | 12.71% | 8.26% | $131.8M |
| Q2 2026 | 12.37% | 12.37% | 13.19% | 8.64% | $130.9M |
Iowa Falls State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Iowa Falls State 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 Iowa Falls State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15311) · FFIEC NIC profile (RSSD 989141)