Premier 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.
The standout move of Q2 2026 was in Retained earnings: 8.9% lower than in Q1 2026, at $10.6M. Premier Bank ranks 81st of 114 Iowa banks on CET1 ratio, in the lower half at 12.40% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Premier Bank sits 2.69 points lower, at 12.40% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.40% |
| Tier 1 risk-based capital ratio | 12.40% |
| Total risk-based capital ratio | 13.40% |
| Tier 1 leverage ratio | 8.90% |
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 | $32.1M |
| Tier 1 capital | $32.1M |
| Total risk-based capital | $34.7M |
| Total equity capital | $28.7M |
| Risk-weighted assets | $259.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.04% |
| Tangible equity to tangible assets | 8.04% |
| Equity capital to average assets | 7.95% |
| Internal capital growth rate | -13.95% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $10K |
| Common stock surplus | $21.5M |
| Retained earnings | $10.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.4M |
| 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 | 11.57% | 11.57% | 12.58% | 8.53% | $280.2M |
| Q4 2023 | 11.59% | 11.59% | 12.61% | 8.52% | $278.3M |
| Q1 2024 | 11.88% | 11.88% | 12.91% | 8.54% | $275.1M |
| Q2 2024 | 11.89% | 11.89% | 12.91% | 8.62% | $275.9M |
| Q3 2024 | 11.97% | 11.97% | 13.00% | 8.85% | $275.4M |
| Q4 2024 | 12.25% | 12.25% | 13.30% | 8.78% | $267.4M |
| Q1 2025 | 12.37% | 12.37% | 13.39% | 8.82% | $261.4M |
| Q2 2025 | 12.53% | 12.53% | 13.58% | 9.37% | $258.6M |
| Q3 2025 | 12.91% | 12.91% | 13.98% | 9.67% | $254.2M |
| Q4 2025 | 13.11% | 13.11% | 14.17% | 9.54% | $254.5M |
| Q1 2026 | 13.17% | 13.17% | 14.24% | 9.15% | $251.7M |
| Q2 2026 | 12.40% | 12.40% | 13.40% | 8.90% | $259.3M |
Premier Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Premier 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 Premier Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34849) · FFIEC NIC profile (RSSD 2687133)