Iowa Trust and 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%.
Compared with Q1 2026, Equity capital to average assets fell 0.31 percentage points in Q2 2026 to 10.39%, the biggest move 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 | 13.46% |
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 | $28.9M |
| Tier 1 capital | $28.9M |
| Total risk-based capital | — |
| Total equity capital | $22.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.61% |
| Tangible equity to tangible assets | 10.61% |
| Equity capital to average assets | 10.39% |
| Internal capital growth rate | -5.47% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $1.9M |
| Retained earnings | $26.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.6M |
| 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 | 12.12% | 6.16% | 6.16% |
| Q4 2023 | 12.41% | 7.97% | 7.97% |
| Q1 2024 | 12.16% | 8.07% | 8.07% |
| Q2 2024 | 12.12% | 8.19% | 8.19% |
| Q3 2024 | 12.73% | 9.55% | 9.55% |
| Q4 2024 | 12.70% | 8.74% | 8.74% |
| Q1 2025 | 13.15% | 9.49% | 9.49% |
| Q2 2025 | 13.16% | 9.73% | 9.73% |
| Q3 2025 | 14.36% | 11.19% | 11.19% |
| Q4 2025 | 13.84% | 11.07% | 11.07% |
| Q1 2026 | 13.86% | 10.68% | 10.68% |
| Q2 2026 | 13.46% | 10.61% | 10.61% |
Iowa Trust and Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Iowa Trust and 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 Trust and Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1547) · FFIEC NIC profile (RSSD 202541)