Primebank: 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.
Compared with Q1 2026, Retained earnings rose 3.7% in Q2 2026 to $71.6M, the biggest move on this page. Primebank ranks 80th of 114 Iowa banks on CET1 ratio, in the lower half at 12.41% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Primebank sits 2.67 points lower, at 12.41% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.41% |
| Tier 1 risk-based capital ratio | 12.41% |
| Total risk-based capital ratio | 13.47% |
| Tier 1 leverage ratio | 10.99% |
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 | $87.1M |
| Tier 1 capital | $87.1M |
| Total risk-based capital | $94.4M |
| Total equity capital | $85.4M |
| Risk-weighted assets | $701.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.66% |
| Tangible equity to tangible assets | 10.54% |
| Equity capital to average assets | 10.76% |
| Internal capital growth rate | 12.35% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $15.4M |
| Retained earnings | $71.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.8M |
| 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 | 11.49% | 11.49% | 12.53% | 10.02% | $596.5M |
| Q4 2023 | 11.09% | 11.09% | 12.13% | 9.77% | $624.8M |
| Q1 2024 | 11.26% | 11.26% | 12.31% | 9.81% | $622.2M |
| Q2 2024 | 11.46% | 11.46% | 12.53% | 9.92% | $617.7M |
| Q3 2024 | 11.49% | 11.49% | 12.55% | 10.10% | $628.4M |
| Q4 2024 | 11.52% | 11.52% | 12.57% | 10.15% | $640.0M |
| Q1 2025 | 11.83% | 11.83% | 12.90% | 10.11% | $638.8M |
| Q2 2025 | 12.13% | 12.13% | 13.20% | 10.43% | $644.2M |
| Q3 2025 | 12.44% | 12.44% | 13.50% | 10.71% | $654.3M |
| Q4 2025 | 12.04% | 12.04% | 13.08% | 10.70% | $683.5M |
| Q1 2026 | 12.22% | 12.22% | 13.27% | 10.89% | $691.7M |
| Q2 2026 | 12.41% | 12.41% | 13.47% | 10.99% | $701.2M |
Primebank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Primebank, 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 Primebank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8101) · FFIEC NIC profile (RSSD 671147)