Maxwell 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%.
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.
Equity capital to average assets climbed 4.12 percentage points in Q2 2026, from 11.27% to 15.39%. It was the largest change from Q1 2026 among the key lines here. Among 114 Iowa banks, Maxwell State Bank sits 10th from the top on CET1 ratio, 22.06% as of Q2 2026. The median for banks in the < $100M asset tier is 19.96% on CET1 ratio. Maxwell State Bank sits 2.09 points higher, at 22.06% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 22.06% |
| Tier 1 risk-based capital ratio | 22.06% |
| Total risk-based capital ratio | 23.06% |
| Tier 1 leverage ratio | 15.45% |
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 | $4.5M |
| Tier 1 capital | $4.5M |
| Total risk-based capital | $4.7M |
| Total equity capital | $4.5M |
| Risk-weighted assets | $20.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.17% |
| Tangible equity to tangible assets | 14.17% |
| Equity capital to average assets | 15.39% |
| Internal capital growth rate | -57.45% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $60K |
| Common stock surplus | $9.5M |
| Retained earnings | -$5.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$19K |
| 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 | 12.40% | 12.40% | 12.80% | 10.05% | $20.4M |
| Q4 2023 | 11.59% | 11.59% | 11.99% | 9.75% | $20.9M |
| Q1 2024 | 11.88% | 11.88% | 12.30% | 10.00% | $19.7M |
| Q2 2024 | 10.84% | 10.84% | 11.23% | 9.44% | $21.1M |
| Q3 2024 | 12.37% | 12.37% | 13.06% | 8.60% | $17.6M |
| Q4 2024 | 12.31% | 12.31% | 13.01% | 8.41% | $17.3M |
| Q1 2025 | 18.54% | 18.54% | 19.26% | 12.99% | $16.8M |
| Q2 2025 | 18.16% | 18.16% | 18.88% | 11.63% | $16.9M |
| Q3 2025 | 25.66% | 25.66% | 26.17% | 14.40% | $15.2M |
| Q4 2025 | 20.17% | 20.17% | 20.59% | 13.87% | $18.5M |
| Q1 2026 | 17.66% | 17.66% | 18.39% | 11.83% | $19.8M |
| Q2 2026 | 22.06% | 22.06% | 23.06% | 15.45% | $20.5M |
Maxwell State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Maxwell 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 Maxwell State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15930) · FFIEC NIC profile (RSSD 694146)