New Albin 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%.
Accumulated other comprehensive income climbed 9.3% in Q2 2026, from -$3.2M to -$2.9M. It was the largest change from Q1 2026 among the key lines here. Among 114 Iowa banks, New Albin Savings Bank sits 3rd from the top on CET1 ratio, 39.92% as of Q2 2026. New Albin Savings Bank's CET1 ratio of 39.92% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 24.85 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 39.92% |
| Tier 1 risk-based capital ratio | 39.92% |
| Total risk-based capital ratio | 40.67% |
| Tier 1 leverage ratio | 15.53% |
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 | $54.9M |
| Tier 1 capital | $54.9M |
| Total risk-based capital | $55.9M |
| Total equity capital | $51.9M |
| Risk-weighted assets | $137.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.81% |
| Tangible equity to tangible assets | 14.81% |
| Equity capital to average assets | 14.70% |
| Internal capital growth rate | 7.25% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $1.2M |
| Retained earnings | $54.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.9M |
| 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 | 42.06% | 42.06% | 42.91% | 16.39% | $122.6M |
| Q4 2023 | 42.17% | 42.17% | 43.03% | 15.96% | $120.9M |
| Q1 2024 | 42.29% | 42.29% | 43.15% | 16.04% | $122.2M |
| Q2 2024 | 42.18% | 42.18% | 43.02% | 16.11% | $124.1M |
| Q3 2024 | 42.95% | 42.95% | 43.80% | 16.19% | $123.6M |
| Q4 2024 | 40.96% | 40.96% | 41.78% | 15.84% | $127.8M |
| Q1 2025 | 41.45% | 41.45% | 42.27% | 15.91% | $127.9M |
| Q2 2025 | 41.63% | 41.63% | 42.44% | 15.73% | $129.1M |
| Q3 2025 | 41.25% | 41.25% | 42.04% | 15.90% | $132.1M |
| Q4 2025 | 40.52% | 40.52% | 41.30% | 15.68% | $133.0M |
| Q1 2026 | 39.97% | 39.97% | 40.73% | 15.75% | $137.1M |
| Q2 2026 | 39.92% | 39.92% | 40.67% | 15.53% | $137.4M |
New Albin Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock New Albin 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 New Albin Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8506) · FFIEC NIC profile (RSSD 234841)