Ireland 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: 7.7% higher than in Q1 2026, at -$4.8M. Ireland Bank ranks 4th of 7 Idaho banks on CET1 ratio, in the lower half at 18.07% (Q2 2026). Ireland Bank reported 18.07% on CET1 ratio for Q2 2026, 3.00 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.07% |
| Tier 1 risk-based capital ratio | 18.07% |
| Total risk-based capital ratio | 19.19% |
| Tier 1 leverage ratio | 11.50% |
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 | $41.2M |
| Tier 1 capital | $41.2M |
| Total risk-based capital | $43.7M |
| Total equity capital | $36.7M |
| Risk-weighted assets | $227.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.31% |
| Tangible equity to tangible assets | 10.26% |
| Equity capital to average assets | 10.23% |
| Internal capital growth rate | 5.82% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $705K |
| Common stock surplus | $6.4M |
| Retained earnings | $34.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.8M |
| 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 | 14.40% | 14.40% | 15.53% | 9.77% | $248.7M |
| Q4 2023 | 14.53% | 14.53% | 15.70% | 9.73% | $247.4M |
| Q1 2024 | 15.95% | 15.95% | 17.20% | 9.79% | $227.7M |
| Q2 2024 | 14.31% | 14.31% | 15.46% | 9.67% | $250.2M |
| Q3 2024 | 15.54% | 15.54% | 16.75% | 9.78% | $236.5M |
| Q4 2024 | 16.48% | 16.48% | 17.71% | 10.21% | $231.4M |
| Q1 2025 | 15.70% | 15.70% | 16.85% | 10.52% | $245.3M |
| Q2 2025 | 17.00% | 17.00% | 18.23% | 10.57% | $230.6M |
| Q3 2025 | 17.09% | 17.09% | 18.34% | 10.62% | $231.7M |
| Q4 2025 | 17.86% | 17.86% | 19.03% | 10.85% | $225.5M |
| Q1 2026 | 18.26% | 18.26% | 19.50% | 11.19% | $222.7M |
| Q2 2026 | 18.07% | 18.07% | 19.19% | 11.50% | $227.9M |
Ireland Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Ireland 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 Ireland Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1237) · FFIEC NIC profile (RSSD 428462)