Its 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 Equity capital to total assets: 7.03 percentage points lower than in Q1 2026, at 90.85%.
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 | 97.51% |
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 | $39.2M |
| Tier 1 capital | $39.2M |
| Total risk-based capital | — |
| Total equity capital | $41.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 90.85% |
| Tangible equity to tangible assets | 90.85% |
| Equity capital to average assets | 102.06% |
| Internal capital growth rate | 141.60% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $450K |
| Retained earnings | $38.7M |
| Preferred stock and surplus | $1.4M |
| Accumulated other comprehensive income | $411K |
| 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 | 96.90% | 94.51% | 94.51% |
| Q4 2023 | 96.56% | 94.22% | 94.22% |
| Q1 2024 | 95.63% | 94.66% | 94.66% |
| Q2 2024 | 105.42% | 81.11% | 81.11% |
| Q3 2024 | 82.34% | 85.65% | 85.65% |
| Q4 2024 | 90.63% | 96.50% | 96.50% |
| Q1 2025 | 97.71% | 96.59% | 96.59% |
| Q2 2025 | 97.24% | 96.42% | 96.42% |
| Q3 2025 | 93.99% | 96.85% | 96.85% |
| Q4 2025 | 93.57% | 97.94% | 97.94% |
| Q1 2026 | 93.17% | 97.88% | 97.88% |
| Q2 2026 | 97.51% | 90.85% | 90.85% |
Its Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Its 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 Its Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34619) · FFIEC NIC profile (RSSD 2774707)