Marion County State 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%.
Accumulated other comprehensive income climbed 7.6% in Q2 2026, from -$13.5M to -$12.4M. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Marion County State Bank is 55th of 114 on CET1 ratio, 13.92% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Marion County State Bank sits 1.15 points lower, at 13.92% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.92% |
| Tier 1 risk-based capital ratio | 13.92% |
| Total risk-based capital ratio | 14.75% |
| Tier 1 leverage ratio | 10.41% |
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 | $65.0M |
| Tier 1 capital | $65.0M |
| Total risk-based capital | $68.8M |
| Total equity capital | $64.2M |
| Risk-weighted assets | $466.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.21% |
| Tangible equity to tangible assets | 8.51% |
| Equity capital to average assets | 10.10% |
| Internal capital growth rate | 11.89% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $782K |
| Common stock surplus | $37.2M |
| Retained earnings | $38.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.4M |
| 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 | 13.77% | 13.77% | 14.23% | 9.42% | $427.2M |
| Q4 2023 | 13.03% | 13.03% | 13.63% | 9.32% | $453.4M |
| Q1 2024 | 13.55% | 13.55% | 14.33% | 9.26% | $436.5M |
| Q2 2024 | 12.86% | 12.86% | 13.40% | 9.33% | $458.8M |
| Q3 2024 | 13.45% | 13.45% | 13.81% | 9.33% | $442.4M |
| Q4 2024 | 12.91% | 12.91% | 13.39% | 9.30% | $462.7M |
| Q1 2025 | 13.68% | 13.68% | 14.26% | 9.18% | $437.7M |
| Q2 2025 | 13.28% | 13.28% | 13.90% | 9.47% | $457.7M |
| Q3 2025 | 12.76% | 12.76% | 13.32% | 9.45% | $483.7M |
| Q4 2025 | 12.94% | 12.94% | 13.63% | 9.37% | $477.1M |
| Q1 2026 | 13.47% | 13.47% | 14.23% | 9.95% | $468.9M |
| Q2 2026 | 13.92% | 13.92% | 14.75% | 10.41% | $466.8M |
Marion County State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Marion County State 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 Marion County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15272) · FFIEC NIC profile (RSSD 97943)