Ixonia 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.
Retained earnings climbed 8.3% in Q2 2026, from $49.5M to $53.6M. It was the largest change from Q1 2026 among the key lines here. Ixonia Bank ranks 56th of 85 Wisconsin banks on CET1 ratio, in the lower half at 12.23% (Q2 2026). Ixonia Bank reported 12.23% on CET1 ratio for Q2 2026, 1.26 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.23% |
| Tier 1 risk-based capital ratio | 12.23% |
| Total risk-based capital ratio | 13.32% |
| Tier 1 leverage ratio | 9.95% |
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 | $97.2M |
| Tier 1 capital | $97.2M |
| Total risk-based capital | $105.8M |
| Total equity capital | $95.0M |
| Risk-weighted assets | $794.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.84% |
| Tangible equity to tangible assets | 8.84% |
| Equity capital to average assets | 9.73% |
| Internal capital growth rate | 18.02% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $44.5M |
| Retained earnings | $53.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.3M |
| 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 | 11.25% | 11.25% | 12.25% | 8.20% | $516.9M |
| Q4 2023 | 12.99% | 12.99% | 14.08% | 9.60% | $519.4M |
| Q1 2024 | 13.63% | 13.63% | 14.72% | 10.06% | $529.7M |
| Q2 2024 | 13.25% | 13.25% | 14.31% | 9.91% | $566.8M |
| Q3 2024 | 13.17% | 13.17% | 14.27% | 9.89% | $591.9M |
| Q4 2024 | 13.04% | 13.04% | 14.11% | 9.89% | $617.6M |
| Q1 2025 | 12.93% | 12.93% | 14.05% | 10.25% | $638.7M |
| Q2 2025 | 12.66% | 12.66% | 13.75% | 10.33% | $686.2M |
| Q3 2025 | 12.45% | 12.45% | 13.55% | 9.79% | $711.4M |
| Q4 2025 | 12.40% | 12.40% | 13.52% | 9.73% | $733.6M |
| Q1 2026 | 12.17% | 12.17% | 13.27% | 9.82% | $764.6M |
| Q2 2026 | 12.23% | 12.23% | 13.32% | 9.95% | $794.2M |
Ixonia Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Ixonia 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 Ixonia Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12514) · FFIEC NIC profile (RSSD 529341)