Ipava 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
In Q2 2026, Retained earnings edged up by 2.3%, from $13.5M to $13.9M, the largest move among the key lines here. Within Illinois, Ipava State Bank is 99th of 198 on CET1 ratio, 15.14% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio; Ipava State Bank reported 15.14% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.14% |
| Tier 1 risk-based capital ratio | 15.14% |
| Total risk-based capital ratio | 16.39% |
| Tier 1 leverage ratio | 9.68% |
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 | $19.7M |
| Tier 1 capital | $19.7M |
| Total risk-based capital | $21.3M |
| Total equity capital | $19.7M |
| Risk-weighted assets | $130.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.89% |
| Tangible equity to tangible assets | 8.83% |
| Equity capital to average assets | 9.69% |
| Internal capital growth rate | 6.54% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $5.9M |
| Retained earnings | $13.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$111K |
| 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 | 12.53% | 12.53% | 13.69% | 8.11% | $129.6M |
| Q4 2023 | 13.47% | 13.47% | 14.50% | 8.37% | $131.3M |
| Q1 2024 | 14.04% | 14.04% | 15.13% | 8.45% | $129.4M |
| Q2 2024 | 13.92% | 13.92% | 15.03% | 8.86% | $131.0M |
| Q3 2024 | 13.92% | 13.92% | 15.04% | 8.91% | $132.3M |
| Q4 2024 | 13.74% | 13.74% | 14.72% | 8.82% | $132.8M |
| Q1 2025 | 14.34% | 14.34% | 15.36% | 9.21% | $129.9M |
| Q2 2025 | 14.49% | 14.49% | 15.55% | 9.40% | $129.0M |
| Q3 2025 | 14.21% | 14.21% | 15.35% | 9.57% | $133.3M |
| Q4 2025 | 13.77% | 13.77% | 14.90% | 8.55% | $136.3M |
| Q1 2026 | 15.19% | 15.19% | 16.43% | 9.60% | $127.5M |
| Q2 2026 | 15.14% | 15.14% | 16.39% | 9.68% | $130.0M |
Ipava State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Ipava 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 Ipava State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10473) · FFIEC NIC profile (RSSD 760434)