Pilot Grove 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 31.4% higher than in Q1 2026, at -$786K. On CET1 ratio, Pilot Grove Savings Bank is 4th from the bottom among 114 Iowa banks, 10.22% (Q2 2026). Pilot Grove Savings Bank reported 10.22% on CET1 ratio for Q2 2026, 3.26 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.22% |
| Tier 1 risk-based capital ratio | 10.22% |
| Total risk-based capital ratio | 11.09% |
| Tier 1 leverage ratio | 8.82% |
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 | $105.0M |
| Tier 1 capital | $105.0M |
| Total risk-based capital | $114.0M |
| Total equity capital | $122.1M |
| Risk-weighted assets | $1.03B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.98% |
| Tangible equity to tangible assets | 8.63% |
| Equity capital to average assets | 10.11% |
| Internal capital growth rate | 9.61% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $625K |
| Common stock surplus | $22.2M |
| Retained earnings | $100.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$786K |
| 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 | 12.88% | 12.88% | 14.08% | 10.39% | $668.4M |
| Q4 2023 | 13.02% | 13.02% | 14.20% | 10.47% | $675.6M |
| Q1 2024 | 13.15% | 13.15% | 14.30% | 10.79% | $695.7M |
| Q2 2024 | 13.06% | 13.06% | 14.18% | 10.67% | $710.2M |
| Q3 2024 | 10.45% | 10.45% | 11.41% | 8.74% | $812.2M |
| Q4 2024 | 9.60% | 9.60% | 10.56% | 8.01% | $844.9M |
| Q1 2025 | 9.89% | 9.89% | 10.83% | 8.39% | $872.4M |
| Q2 2025 | 9.94% | 9.94% | 10.89% | 8.38% | $881.4M |
| Q3 2025 | 9.99% | 9.99% | 10.91% | 8.52% | $912.6M |
| Q4 2025 | 10.01% | 10.01% | 10.92% | 8.53% | $947.0M |
| Q1 2026 | 10.38% | 10.38% | 11.28% | 8.90% | $980.6M |
| Q2 2026 | 10.22% | 10.22% | 11.09% | 8.82% | $1.03B |
Pilot Grove Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Pilot Grove 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 Pilot Grove Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9100) · FFIEC NIC profile (RSSD 585749)