Iowa State Bank and Trust Company: 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 standout move of Q3 2026 was in Total equity capital: 8.6% lower than in Q2 2026, at $25.2M. Iowa State Bank and Trust Company has the 12th lowest CET1 ratio of the 114 banks headquartered in Iowa, at 10.90% as of Q3 2026. Iowa State Bank and Trust Company reported 11.00% on CET1 ratio for Q3 2026, 4.07 points below the 15.07% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.00% |
| Tier 1 risk-based capital ratio | 11.00% |
| Total risk-based capital ratio | 12.08% |
| Tier 1 leverage ratio | 8.13% |
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 | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $28.6M |
| Tier 1 capital | $28.6M |
| Total risk-based capital | $31.4M |
| Total equity capital | $25.2M |
| Risk-weighted assets | $259.8M |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 7.03% |
| Tangible equity to tangible assets | 7.03% |
| Equity capital to average assets | 7.17% |
| Internal capital growth rate | 12.74% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $10.4M |
| Retained earnings | $17.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.4M |
| 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 |
|---|---|---|---|---|---|
| Q4 2023 | 11.01% | 11.01% | 11.94% | 8.55% | $186.8M |
| Q1 2024 | 10.75% | 10.75% | 11.70% | 8.36% | $193.3M |
| Q2 2024 | 10.69% | 10.69% | 11.64% | 8.00% | $197.8M |
| Q3 2024 | 10.81% | 10.81% | 11.79% | 8.18% | $198.4M |
| Q4 2024 | 10.55% | 10.55% | 11.52% | 8.16% | $206.3M |
| Q1 2025 | 10.49% | 10.49% | 11.48% | 8.14% | $211.5M |
| Q2 2025 | 10.68% | 10.68% | 11.65% | 8.00% | $219.5M |
| Q3 2025 | 11.07% | 11.07% | 12.00% | 8.25% | $230.9M |
| Q4 2025 | 11.00% | 11.00% | 12.03% | 8.04% | $239.2M |
| Q1 2026 | 10.80% | 10.80% | 11.85% | 8.19% | $249.0M |
| Q2 2026 | 10.90% | 10.90% | 11.97% | 8.01% | $254.0M |
| Q3 2026 | 11.00% | 11.00% | 12.08% | 8.13% | $259.8M |
Iowa State Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Iowa State Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14413) · FFIEC NIC profile (RSSD 651541)