Iowa 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Equity capital to total assets rose 0.41 percentage points from Q1 2026 to Q2 2026, ending at 11.65% against 11.23%. It was the largest change among the key lines on this page.
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 | 11.53% |
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 | $24.6M |
| Tier 1 capital | $24.6M |
| Total risk-based capital | — |
| Total equity capital | $24.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.65% |
| Tangible equity to tangible assets | 11.19% |
| Equity capital to average assets | 11.59% |
| Internal capital growth rate | 4.69% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $5.4M |
| Retained earnings | $19.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$854K |
| 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 | 10.79% | 9.82% | 9.31% |
| Q4 2023 | 10.83% | 9.97% | 9.48% |
| Q1 2024 | 10.81% | 10.33% | 9.83% |
| Q2 2024 | 11.12% | 10.51% | 10.01% |
| Q3 2024 | 11.28% | 11.05% | 10.54% |
| Q4 2024 | 11.36% | 11.02% | 10.52% |
| Q1 2025 | 11.35% | 10.99% | 10.50% |
| Q2 2025 | 11.50% | 11.55% | 11.06% |
| Q3 2025 | 11.79% | 11.78% | 11.29% |
| Q4 2025 | 11.76% | 11.79% | 11.31% |
| Q1 2026 | 11.63% | 11.23% | 10.78% |
| Q2 2026 | 11.53% | 11.65% | 11.19% |
Iowa State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Iowa 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10497) · FFIEC NIC profile (RSSD 298049)