Itasca Bank & Trust Co.: 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 1.0%, from $70.2M to $70.9M, the largest move among the key lines here.
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 | 10.58% |
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 | $82.4M |
| Tier 1 capital | $82.4M |
| Total risk-based capital | — |
| Total equity capital | $74.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.64% |
| Tangible equity to tangible assets | 9.64% |
| Equity capital to average assets | 9.54% |
| Internal capital growth rate | 3.67% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $639K |
| Common stock surplus | $10.8M |
| Retained earnings | $70.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.1M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 9.66% | 7.47% | 7.47% |
| Q4 2023 | 9.70% | 8.07% | 8.07% |
| Q1 2024 | 9.76% | 7.97% | 7.97% |
| Q2 2024 | 9.79% | 8.22% | 8.22% |
| Q3 2024 | 9.89% | 8.57% | 8.57% |
| Q4 2024 | 9.66% | 8.31% | 8.31% |
| Q1 2025 | 9.95% | 8.74% | 8.74% |
| Q2 2025 | 10.29% | 9.29% | 9.29% |
| Q3 2025 | 10.45% | 9.44% | 9.44% |
| Q4 2025 | 10.28% | 9.41% | 9.41% |
| Q1 2026 | 10.49% | 9.63% | 9.63% |
| Q2 2026 | 10.58% | 9.64% | 9.64% |
Itasca Bank & Trust Co. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Itasca Bank & Trust Co., 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 Itasca Bank & Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16666) · FFIEC NIC profile (RSSD 812436)