Ixonia Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.32% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 5.32% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 12.23% +5.73 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $97.2M | 97,151 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $794.2M | 794,235 | RCOAA223 |
| Recomputed ratio | 12.23% | numerator / denominator | |
| Filed ratio | 12.23% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.73 pp | $45.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.23% +4.23 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $97.2M | 97,151 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $794.2M | 794,235 | RCOAA223 |
| Recomputed ratio | 12.23% | numerator / denominator | |
| Filed ratio | 12.23% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.23 pp | $33.6M | capital that could be lost first |
Total risk-based capital ratio 13.32% +3.32 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $105.8M | 105,786 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $794.2M | 794,235 | RCOAA223 |
| Recomputed ratio | 13.32% | numerator / denominator | |
| Filed ratio | 13.32% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.32 pp | $26.4M | capital that could be lost first |
Tier 1 leverage ratio 9.95% +4.95 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $97.2M | 97,151 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $976.0M | 975,969 | RCOAA224 |
| Recomputed ratio | 9.95% | numerator / denominator | |
| Filed ratio | 9.95% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.95 pp | $48.4M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 44,750 | 44,750 | 42,250 | 44,750 | 44,750 | 44,750 | RCOAP742 |
| Retained earnings | 53,594 | 49,501 | 50,095 | 45,157 | 43,368 | 39,207 | RCOAKW00 |
| Accumulated other comprehensive income | (3,294) | (3,438) | (5,133) | (5,576) | (6,542) | (7,105) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 95,050 | 90,813 | 87,212 | 84,331 | 81,576 | 76,852 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,101 | 2,245 | 3,769 | 4,212 | 5,327 | 5,741 | P859 - P840 |
| Common equity Tier 1 capital | 97,151 | 93,058 | 90,981 | 88,543 | 86,903 | 82,593 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 97,151 | 93,058 | 90,981 | 88,543 | 86,903 | 82,593 | RCOA8274 |
| Tier 2 capital | 8,635 | 8,373 | 8,227 | 7,862 | 7,473 | 7,147 | RCOA5311 |
| Allowance includable in Tier 2 capital | 8,635 | 8,373 | 8,227 | 7,862 | 7,473 | 7,147 | RCOA5310 |
| Total capital | 105,786 | 101,431 | 99,208 | 96,405 | 94,376 | 89,740 | RCOA3792 |
| Total risk-weighted assets | 794,235 | 764,624 | 733,571 | 711,401 | 686,236 | 638,720 | RCOAA223 |
| Average total assets for the leverage ratio | 975,969 | 947,364 | 935,487 | 904,071 | 841,060 | 805,781 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $127.9M | $25.2M | 19.75% | 3.18% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $82.5M | $12.6M | 15.29% | 1.59% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $894K | $179K | 20.00% | 0.02% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $387.4M | $206.2M | 53.23% | 25.96% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $2.6M | $4.0M | 150.00% | 0.50% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $2.4M | $3.5M | 150.00% | 0.44% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $428.3M | $413.6M | 96.58% | 52.08% | RC-R Part II, item 4.d, 5.d |
| All other assets | $54.3M | $45.2M | 83.17% | 5.69% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $3.1M | $38.6M | 1250.00% | 4.86% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $43.7M | $41.1M | 94.21% | 5.18% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $157K | $31K | 20.00% | 0.00% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $4.0M | NA | 0.50% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $790.2M | does not tie to item 31 ($794.2M) |
|---|---|---|
| Risk-weighted assets before deductions | $794.2M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $794.2M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 12.23% | 12.23% | 13.32% | 9.95% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 12.17% | 12.17% | 13.27% | 9.82% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 12.40% | 12.40% | 13.52% | 9.73% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 12.45% | 12.45% | 13.55% | 9.79% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 12.66% | 12.66% | 13.75% | 10.33% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 12.93% | 12.93% | 14.05% | 10.25% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 13.04% | 13.04% | 14.11% | 9.89% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 13.17% | 13.17% | 14.27% | 9.89% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 13.25% | 13.25% | 14.31% | 9.91% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 13.63% | 13.63% | 14.72% | 10.06% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 12.99% | 12.99% | 14.08% | 9.60% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.25% | 11.25% | 12.25% | 8.20% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Ixonia Bank (this bank) | Risk-based | 12.23% | 12.23% | 13.32% | 9.95% | |
| The First National Bank of McGregor | $1.08B | Risk-based | 12.06% | 12.06% | 13.31% | 9.55% |
| Frontier Bank of Texas | $1.08B | CBLR | NA | NA | NA | 10.05% |
| The First National Bank of Bemidji | $1.08B | CBLR | NA | NA | NA | 11.14% |
| Insbank | $1.08B | Risk-based | 11.00% | 11.00% | 12.19% | 10.20% |
| Ledyard National Bank | $1.07B | Risk-based | 11.19% | 11.19% | 11.92% | 8.27% |
| Commercial Bank & Trust Company | $1.08B | Risk-based | 19.46% | 19.46% | 20.71% | 12.08% |
| Bank of Wisconsin Dells | $1.08B | Risk-based | 12.97% | 12.97% | 14.23% | 12.12% |
| Midcountry Bank | $1.07B | Risk-based | 15.98% | 15.98% | 17.23% | 13.00% |
| Parkside Financial Bank and Trust | $1.08B | Risk-based | 12.99% | 12.99% | 14.25% | 12.98% |
| The Federal Savings Bank | $1.08B | Risk-based | 19.97% | 19.97% | 20.68% | 15.86% |
| Peer 25th percentile | 11.84% | 11.84% | 13.03% | 10.09% | ||
| Peer median | 12.98% | 12.98% | 14.24% | 11.61% | ||
| Peer 75th percentile | 16.85% | 16.85% | 18.10% | 12.76% | ||
| This bank's percentile | 38 | 38 | 38 | 20 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/529341/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.