Ipswich 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.
The standout move of Q2 2026 was in Risk-weighted assets: 12.8% higher than in Q1 2026, at $43.9M. On CET1 ratio, Ipswich State Bank ranks 3rd highest among the 36 banks headquartered in South Dakota, at 25.36% (Q2 2026). Ipswich State Bank reported 25.36% on CET1 ratio for Q2 2026, 5.39 points above the 19.96% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 25.36% |
| Tier 1 risk-based capital ratio | 25.36% |
| Total risk-based capital ratio | 25.94% |
| Tier 1 leverage ratio | 15.46% |
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 | $11.1M |
| Tier 1 capital | $11.1M |
| Total risk-based capital | $11.4M |
| Total equity capital | $11.1M |
| Risk-weighted assets | $43.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.97% |
| Tangible equity to tangible assets | 14.97% |
| Equity capital to average assets | 15.42% |
| Internal capital growth rate | 13.87% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $6.6M |
| Retained earnings | $4.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$27K |
| 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 | 28.71% | 28.71% | 29.42% | 15.07% | $36.1M |
| Q4 2023 | 28.67% | 28.67% | 29.36% | 15.11% | $36.7M |
| Q1 2024 | 31.23% | 31.23% | 32.03% | 14.69% | $31.9M |
| Q2 2024 | 30.12% | 30.12% | 30.87% | 14.97% | $33.9M |
| Q3 2024 | 29.62% | 29.62% | 30.34% | 16.04% | $35.3M |
| Q4 2024 | 28.21% | 28.21% | 28.89% | 15.72% | $37.9M |
| Q1 2025 | 30.56% | 30.56% | 31.30% | 15.19% | $34.2M |
| Q2 2025 | 29.27% | 29.27% | 29.96% | 15.45% | $36.7M |
| Q3 2025 | 26.05% | 26.05% | 26.65% | 16.34% | $42.5M |
| Q4 2025 | 27.18% | 27.18% | 27.79% | 15.44% | $41.8M |
| Q1 2026 | 27.66% | 27.66% | 28.31% | 14.65% | $39.0M |
| Q2 2026 | 25.36% | 25.36% | 25.94% | 15.46% | $43.9M |
Ipswich State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Ipswich 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 Ipswich State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15593) · FFIEC NIC profile (RSSD 532453)