Iroquois Farmers 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%.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 3.8% to $9.2M.
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 | 9.10% |
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 | $15.4M |
| Tier 1 capital | $15.4M |
| Total risk-based capital | — |
| Total equity capital | $14.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.54% |
| Tangible equity to tangible assets | 8.54% |
| Equity capital to average assets | 8.79% |
| Internal capital growth rate | 9.05% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $80K |
| Common stock surplus | $6.2M |
| Retained earnings | $9.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$513K |
| 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 | 10.02% | 10.02% | 10.35% | 7.18% | $118.1M |
| Q4 2023 | 10.94% | 10.94% | 11.28% | 7.27% | $110.7M |
| Q1 2024 | 10.84% | 10.84% | 11.16% | 7.58% | $114.8M |
| Q2 2024 | 11.72% | 11.72% | 12.08% | 8.02% | $108.5M |
| Q3 2024 | 11.00% | 11.00% | 11.31% | 8.30% | $120.9M |
| Q4 2024 | 11.85% | 11.85% | 12.19% | 8.32% | $115.1M |
| Q1 2025 | 12.81% | 12.81% | 13.17% | 8.65% | $109.3M |
| Q2 2025 | 12.14% | 12.14% | 12.49% | 8.45% | $114.5M |
| Q3 2025 | 11.43% | 11.43% | 11.77% | 8.33% | $123.1M |
| Q4 2025 | 12.67% | 12.67% | 13.06% | 8.33% | $115.7M |
| Q1 2026 | 13.87% | 13.87% | 14.31% | 9.04% | $108.7M |
| Q2 2026 | — | — | — | 9.10% | — |
Iroquois Farmers State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Iroquois Farmers 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 Iroquois Farmers State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11746) · FFIEC NIC profile (RSSD 1007930)