The National Bank of Indianapolis: 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 fell 4.7% from Q1 2026 to Q2 2026, ending at -$48.6M against -$46.4M. It was the largest change among the key lines on this page. Within Indiana, The National Bank of Indianapolis is 42nd of 50 on CET1 ratio, 11.42% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. The National Bank of Indianapolis sits 2.05 points lower, at 11.42% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.42% |
| Tier 1 risk-based capital ratio | 11.42% |
| Total risk-based capital ratio | 12.47% |
| Tier 1 leverage ratio | 9.29% |
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 | $286.1M |
| Tier 1 capital | $286.1M |
| Total risk-based capital | $312.3M |
| Total equity capital | $237.5M |
| Risk-weighted assets | $2.50B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.82% |
| Tangible equity to tangible assets | 7.82% |
| Equity capital to average assets | 7.71% |
| Internal capital growth rate | 12.52% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.3M |
| Common stock surplus | $41.7M |
| Retained earnings | $243.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$48.6M |
| 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 | 13.02% | 13.02% | 14.26% | 9.20% | $1.95B |
| Q4 2023 | 12.85% | 12.85% | 14.04% | 8.83% | $2.01B |
| Q1 2024 | 12.82% | 12.82% | 14.03% | 9.07% | $2.04B |
| Q2 2024 | 12.94% | 12.94% | 14.14% | 8.96% | $2.05B |
| Q3 2024 | 13.12% | 13.12% | 14.32% | 9.24% | $2.06B |
| Q4 2024 | 11.72% | 11.72% | 12.84% | 8.33% | $2.17B |
| Q1 2025 | 11.77% | 11.77% | 12.86% | 8.48% | $2.20B |
| Q2 2025 | 11.80% | 11.80% | 12.91% | 8.65% | $2.25B |
| Q3 2025 | 11.67% | 11.67% | 12.76% | 9.23% | $2.32B |
| Q4 2025 | 11.54% | 11.54% | 12.65% | 8.92% | $2.37B |
| Q1 2026 | 11.36% | 11.36% | 12.44% | 8.95% | $2.45B |
| Q2 2026 | 11.42% | 11.42% | 12.47% | 9.29% | $2.50B |
The National Bank of Indianapolis regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The National Bank of Indianapolis, 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 The National Bank of Indianapolis profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33860) · FFIEC NIC profile (RSSD 2132941)