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%.
Equity capital to total assets rose 0.47 percentage points from Q1 2026 to Q2 2026, ending at 9.10% against 8.63%. It was the largest change among the key lines on this page. Within Iowa, Iowa State Bank is 30th of 114 on CET1 ratio, 15.83% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Iowa State Bank sits 0.76 points higher, at 15.83% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.83% |
| Tier 1 risk-based capital ratio | 15.83% |
| Total risk-based capital ratio | 17.05% |
| Tier 1 leverage ratio | 11.17% |
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 | $54.0M |
| Tier 1 capital | $54.0M |
| Total risk-based capital | $58.1M |
| Total equity capital | $42.9M |
| Risk-weighted assets | $340.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.10% |
| Tangible equity to tangible assets | 8.50% |
| Equity capital to average assets | 8.82% |
| Internal capital growth rate | 7.26% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $13.2M |
| Retained earnings | $42.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$14.2M |
| 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 | 16.22% | 16.22% | 17.47% | 10.69% | $304.4M |
| Q4 2023 | 15.49% | 15.49% | 16.72% | 10.62% | $320.8M |
| Q1 2024 | 15.49% | 15.49% | 16.72% | 10.38% | $322.7M |
| Q2 2024 | 15.35% | 15.35% | 16.56% | 10.40% | $329.0M |
| Q3 2024 | 15.24% | 15.24% | 16.43% | 10.40% | $333.6M |
| Q4 2024 | 15.59% | 15.59% | 16.80% | 10.61% | $328.7M |
| Q1 2025 | 15.72% | 15.72% | 16.94% | 10.81% | $327.0M |
| Q2 2025 | 15.54% | 15.54% | 16.77% | 10.94% | $333.8M |
| Q3 2025 | 15.43% | 15.43% | 16.64% | 10.95% | $339.9M |
| Q4 2025 | 15.73% | 15.73% | 16.95% | 11.02% | $335.6M |
| Q1 2026 | 15.69% | 15.69% | 16.91% | 11.04% | $339.0M |
| Q2 2026 | 15.83% | 15.83% | 17.05% | 11.17% | $340.8M |
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 950) · FFIEC NIC profile (RSSD 734248)