Principal 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%.
Compared with Q1 2026, Risk-weighted assets rose 4.4% in Q2 2026 to $4.84B, the biggest move on this page. Within Iowa, Principal Bank is 44th of 114 on CET1 ratio, 14.91% as of Q2 2026. Principal Bank reported 14.91% on CET1 ratio for Q2 2026, 1.42 points above the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.91% |
| Tier 1 risk-based capital ratio | 14.91% |
| Total risk-based capital ratio | 15.07% |
| Tier 1 leverage ratio | 7.13% |
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 | $721.9M |
| Tier 1 capital | $721.9M |
| Total risk-based capital | $729.3M |
| Total equity capital | $493.9M |
| Risk-weighted assets | $4.84B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 5.02% |
| Tangible equity to tangible assets | 5.02% |
| Equity capital to average assets | 4.88% |
| Internal capital growth rate | 12.69% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.4M |
| Common stock surplus | $346.5M |
| Retained earnings | $372.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$228.0M |
| 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 | 17.82% | 17.82% | 17.96% | 8.44% | $4.10B |
| Q4 2023 | 18.03% | 18.03% | 18.16% | 8.37% | $4.09B |
| Q1 2024 | 18.05% | 18.05% | 18.22% | 8.22% | $4.11B |
| Q2 2024 | 17.87% | 17.87% | 18.05% | 7.97% | $4.14B |
| Q3 2024 | 17.24% | 17.24% | 17.39% | 7.69% | $4.14B |
| Q4 2024 | 16.19% | 16.19% | 16.32% | 7.41% | $4.31B |
| Q1 2025 | 16.15% | 16.15% | 16.32% | 7.40% | $4.29B |
| Q2 2025 | 16.09% | 16.09% | 16.31% | 7.27% | $4.26B |
| Q3 2025 | 15.76% | 15.76% | 15.99% | 7.09% | $4.33B |
| Q4 2025 | 15.46% | 15.46% | 15.65% | 7.22% | $4.50B |
| Q1 2026 | 15.24% | 15.24% | 15.38% | 7.22% | $4.64B |
| Q2 2026 | 14.91% | 14.91% | 15.07% | 7.13% | $4.84B |
Principal Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Principal 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 Principal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34507) · FFIEC NIC profile (RSSD 2654911)