Jackson County 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.
In Q2 2026, Risk-weighted assets edged up by 2.1%, from $831.9M to $849.3M, the largest move among the key lines here. Jackson County Bank has the 4th lowest CET1 ratio of the 50 banks headquartered in Indiana, at 10.97% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Jackson County Bank sits 2.53 points lower, at 10.97% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.97% |
| Tier 1 risk-based capital ratio | 10.97% |
| Total risk-based capital ratio | 12.17% |
| Tier 1 leverage ratio | 8.46% |
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 | $93.1M |
| Tier 1 capital | $93.2M |
| Total risk-based capital | $103.3M |
| Total equity capital | $91.4M |
| Risk-weighted assets | $849.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.23% |
| Tangible equity to tangible assets | 7.84% |
| Equity capital to average assets | 8.26% |
| Internal capital growth rate | 2.93% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $19.2M |
| Retained earnings | $77.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.4M |
| 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 | 10.46% | 10.47% | 11.36% | 8.77% | $764.9M |
| Q4 2023 | 10.51% | 10.52% | 11.43% | 8.63% | $778.9M |
| Q1 2024 | 10.48% | 10.49% | 11.42% | 8.50% | $796.6M |
| Q2 2024 | 10.31% | 10.32% | 11.27% | 8.27% | $814.6M |
| Q3 2024 | 10.50% | 10.51% | 11.46% | 8.48% | $818.0M |
| Q4 2024 | 10.77% | 10.77% | 11.75% | 8.58% | $805.6M |
| Q1 2025 | 11.16% | 11.17% | 12.18% | 8.72% | $796.4M |
| Q2 2025 | 10.76% | 10.77% | 11.83% | 8.47% | $816.8M |
| Q3 2025 | 11.07% | 11.07% | 12.12% | 8.66% | $817.2M |
| Q4 2025 | 10.90% | 10.91% | 11.96% | 8.52% | $828.9M |
| Q1 2026 | 11.11% | 11.11% | 12.26% | 8.59% | $831.9M |
| Q2 2026 | 10.97% | 10.97% | 12.17% | 8.46% | $849.3M |
Jackson County Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Jackson County 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 Jackson County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13109) · FFIEC NIC profile (RSSD 884442)