Iowa Trust & 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: 52.9% higher than in Q1 2026, at -$799K.
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 | 10.82% |
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 | $55.6M |
| Tier 1 capital | $55.6M |
| Total risk-based capital | — |
| Total equity capital | $59.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.42% |
| Tangible equity to tangible assets | 10.59% |
| Equity capital to average assets | 11.51% |
| Internal capital growth rate | 0.37% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $25.8M |
| Retained earnings | $34.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$799K |
| 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 | 11.99% | 11.99% | 12.88% | 10.57% | $424.2M |
| Q4 2023 | 10.82% | 10.82% | 12.08% | 9.56% | $459.8M |
| Q1 2024 | 10.12% | 10.12% | 11.37% | 9.47% | $498.5M |
| Q2 2024 | 10.86% | 10.86% | 12.12% | 9.43% | $469.1M |
| Q3 2024 | 10.74% | 10.74% | 11.99% | 9.74% | $479.2M |
| Q4 2024 | 10.92% | 10.92% | 12.14% | 9.53% | $472.8M |
| Q1 2025 | 11.32% | 11.32% | 12.54% | 9.82% | $463.6M |
| Q2 2025 | 12.07% | 12.07% | 13.32% | 10.22% | $452.8M |
| Q3 2025 | 12.55% | 12.55% | 13.80% | 10.66% | $439.0M |
| Q4 2025 | 12.98% | 12.98% | 14.24% | 10.65% | $421.9M |
| Q1 2026 | 12.66% | 12.66% | 13.87% | 10.84% | $438.5M |
| Q2 2026 | — | — | — | 10.82% | — |
Iowa Trust & Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Iowa Trust & 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 & Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18400) · FFIEC NIC profile (RSSD 649342)