NSB 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 9.6% in Q2 2026, from -$6.1M to -$5.5M. It was the largest change from Q1 2026 among the key lines here. NSB Bank ranks 102nd of 114 Iowa banks on CET1 ratio, in the lower half at 10.94% (Q2 2026). NSB Bank reported 10.94% on CET1 ratio for Q2 2026, 4.13 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.94% |
| Tier 1 risk-based capital ratio | 10.94% |
| Total risk-based capital ratio | 12.00% |
| Tier 1 leverage ratio | 8.49% |
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 | $38.9M |
| Tier 1 capital | $38.9M |
| Total risk-based capital | $42.7M |
| Total equity capital | $38.9M |
| Risk-weighted assets | $356.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.44% |
| Tangible equity to tangible assets | 7.34% |
| Equity capital to average assets | 8.37% |
| Internal capital growth rate | 3.82% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $800K |
| Common stock surplus | $20.2M |
| Retained earnings | $23.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.5M |
| 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 | 12.16% | 12.16% | 13.27% | 9.20% | $307.5M |
| Q4 2023 | 11.29% | 11.29% | 12.34% | 9.00% | $325.6M |
| Q1 2024 | 11.42% | 11.42% | 12.49% | 9.08% | $323.4M |
| Q2 2024 | 10.98% | 10.98% | 12.01% | 8.86% | $337.0M |
| Q3 2024 | 10.22% | 10.22% | 11.19% | 8.42% | $364.1M |
| Q4 2024 | 10.65% | 10.65% | 11.66% | 8.12% | $349.5M |
| Q1 2025 | 10.89% | 10.89% | 11.91% | 8.56% | $348.7M |
| Q2 2025 | 10.71% | 10.71% | 11.72% | 8.38% | $354.8M |
| Q3 2025 | 11.04% | 11.04% | 12.04% | 8.54% | $350.6M |
| Q4 2025 | 10.66% | 10.66% | 11.49% | 8.28% | $362.1M |
| Q1 2026 | 10.70% | 10.70% | 11.60% | 8.46% | $360.7M |
| Q2 2026 | 10.94% | 10.94% | 12.00% | 8.49% | $356.0M |
NSB Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock NSB 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 NSB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8094) · FFIEC NIC profile (RSSD 253646)