Iowa State Savings 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 7.5% higher than in Q1 2026, at -$2.1M. Iowa State Savings Bank ranks 38th of 114 Iowa banks on CET1 ratio, in the upper half at 15.24% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio; Iowa State Savings Bank reported 15.24% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.24% |
| Tier 1 risk-based capital ratio | 15.24% |
| Total risk-based capital ratio | 16.49% |
| Tier 1 leverage ratio | 9.40% |
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 | $26.6M |
| Tier 1 capital | $26.6M |
| Total risk-based capital | $28.8M |
| Total equity capital | $27.3M |
| Risk-weighted assets | $174.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.87% |
| Tangible equity to tangible assets | 8.85% |
| Equity capital to average assets | 9.55% |
| Internal capital growth rate | 3.50% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.6M |
| Common stock surplus | $22.7M |
| Retained earnings | $5.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.1M |
| 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 | 14.99% | 14.99% | 16.18% | 9.85% | $163.5M |
| Q4 2023 | 14.48% | 14.48% | 15.70% | 9.62% | $170.0M |
| Q1 2024 | 14.81% | 14.81% | 16.05% | 9.49% | $168.3M |
| Q2 2024 | 14.41% | 14.41% | 15.65% | 9.48% | $172.7M |
| Q3 2024 | 14.40% | 14.40% | 15.65% | 9.80% | $172.9M |
| Q4 2024 | 13.87% | 13.87% | 15.12% | 9.45% | $179.7M |
| Q1 2025 | 14.64% | 14.64% | 15.89% | 9.10% | $173.1M |
| Q2 2025 | 15.31% | 15.31% | 16.56% | 9.09% | $166.9M |
| Q3 2025 | 15.39% | 15.39% | 16.64% | 9.17% | $166.5M |
| Q4 2025 | 14.56% | 14.56% | 15.81% | 9.27% | $177.5M |
| Q1 2026 | 15.32% | 15.32% | 16.58% | 9.32% | $171.8M |
| Q2 2026 | 15.24% | 15.24% | 16.49% | 9.40% | $174.6M |
Iowa State Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Iowa State Savings 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8751) · FFIEC NIC profile (RSSD 869346)