Keystone Savings 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 10.9% lower than in Q1 2026, at -$2.7M. Keystone Savings Bank ranks 37th of 114 Iowa banks on CET1 ratio, in the upper half at 15.37% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio; Keystone Savings Bank reported 15.37% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.37% |
| Tier 1 risk-based capital ratio | 15.37% |
| Total risk-based capital ratio | 16.47% |
| Tier 1 leverage ratio | 11.29% |
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 | $23.0M |
| Tier 1 capital | $23.0M |
| Total risk-based capital | $24.7M |
| Total equity capital | $20.9M |
| Risk-weighted assets | $149.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.41% |
| Tangible equity to tangible assets | 10.17% |
| Equity capital to average assets | 10.23% |
| Internal capital growth rate | 3.11% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $10.3M |
| Retained earnings | $12.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.7M |
| 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 | 15.79% | 15.79% | 16.67% | 11.82% | $132.3M |
| Q4 2023 | 15.87% | 15.87% | 16.74% | 12.11% | $133.4M |
| Q1 2024 | 16.30% | 16.30% | 17.26% | 12.16% | $130.9M |
| Q2 2024 | 15.90% | 15.90% | 16.85% | 11.90% | $133.1M |
| Q3 2024 | 15.91% | 15.91% | 16.85% | 12.34% | $134.8M |
| Q4 2024 | 16.56% | 16.56% | 17.53% | 12.23% | $131.0M |
| Q1 2025 | 16.41% | 16.41% | 17.42% | 12.24% | $133.9M |
| Q2 2025 | 15.93% | 15.93% | 16.90% | 11.50% | $139.6M |
| Q3 2025 | 15.75% | 15.75% | 16.74% | 11.66% | $143.4M |
| Q4 2025 | 15.88% | 15.88% | 16.88% | 11.40% | $143.1M |
| Q1 2026 | 15.88% | 15.88% | 17.02% | 11.75% | $143.5M |
| Q2 2026 | 15.37% | 15.37% | 16.47% | 11.29% | $149.7M |
Keystone Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Keystone Savings 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 Keystone Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17993) · FFIEC NIC profile (RSSD 931944)