Isabella 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%.
Compared with Q1 2026, Retained earnings rose 5.5% in Q2 2026 to $118.8M, the biggest move on this page. Within Michigan, Isabella Bank is 33rd of 43 on CET1 ratio, 11.49% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Isabella Bank sits 1.99 points lower, at 11.49% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.49% |
| Tier 1 risk-based capital ratio | 11.49% |
| Total risk-based capital ratio | 12.39% |
| Tier 1 leverage ratio | 8.93% |
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 | $194.1M |
| Tier 1 capital | $194.1M |
| Total risk-based capital | $209.1M |
| Total equity capital | $190.0M |
| Risk-weighted assets | $1.69B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.76% |
| Tangible equity to tangible assets | 8.56% |
| Equity capital to average assets | 8.73% |
| Internal capital growth rate | 13.47% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $6.8M |
| Common stock surplus | $73.2M |
| Retained earnings | $118.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.8M |
| 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 | 12.75% | 12.75% | 13.67% | 8.97% | $1.43B |
| Q4 2023 | 12.48% | 12.48% | 13.42% | 8.71% | $1.43B |
| Q1 2024 | 12.10% | 12.10% | 13.04% | 8.61% | $1.46B |
| Q2 2024 | 11.90% | 11.90% | 12.83% | 8.49% | $1.46B |
| Q3 2024 | 11.52% | 11.52% | 12.39% | 8.35% | $1.50B |
| Q4 2024 | 11.53% | 11.53% | 12.43% | 8.36% | $1.50B |
| Q1 2025 | 12.08% | 12.08% | 12.99% | 8.59% | $1.46B |
| Q2 2025 | 12.18% | 12.18% | 13.10% | 8.83% | $1.49B |
| Q3 2025 | 12.27% | 12.27% | 13.17% | 8.63% | $1.53B |
| Q4 2025 | 11.20% | 11.20% | 12.08% | 8.45% | $1.63B |
| Q1 2026 | 11.36% | 11.36% | 12.24% | 8.62% | $1.65B |
| Q2 2026 | 11.49% | 11.49% | 12.39% | 8.93% | $1.69B |
Isabella Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Isabella 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 Isabella Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1005) · FFIEC NIC profile (RSSD 74140)