Raccoon Valley 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 largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 4.6% to $32.6M. Raccoon Valley Bank ranks 93rd of 114 Iowa banks on CET1 ratio, in the lower half at 11.47% (Q2 2026). Raccoon Valley Bank reported 11.47% on CET1 ratio for Q2 2026, 3.60 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 | 11.47% |
| Tier 1 risk-based capital ratio | 11.47% |
| Total risk-based capital ratio | 12.72% |
| Tier 1 leverage ratio | 9.57% |
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 | $46.7M |
| Tier 1 capital | $46.7M |
| Total risk-based capital | $51.8M |
| Total equity capital | $46.1M |
| Risk-weighted assets | $407.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.49% |
| Tangible equity to tangible assets | 9.49% |
| Equity capital to average assets | 9.45% |
| Internal capital growth rate | 12.84% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.1M |
| Common stock surplus | $13.0M |
| Retained earnings | $32.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$594K |
| 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 | 10.88% | 10.88% | 11.99% | 9.21% | $364.9M |
| Q4 2023 | 10.54% | 10.54% | 11.74% | 8.94% | $376.7M |
| Q1 2024 | 11.18% | 11.18% | 12.43% | 8.90% | $362.0M |
| Q2 2024 | 11.17% | 11.17% | 12.42% | 9.23% | $369.3M |
| Q3 2024 | 11.13% | 11.13% | 12.38% | 9.45% | $375.8M |
| Q4 2024 | 11.73% | 11.73% | 12.98% | 9.43% | $360.1M |
| Q1 2025 | 11.87% | 11.87% | 13.12% | 9.25% | $359.2M |
| Q2 2025 | 11.91% | 11.91% | 13.11% | 9.30% | $363.7M |
| Q3 2025 | 11.17% | 11.17% | 12.36% | 9.56% | $394.2M |
| Q4 2025 | 10.91% | 10.91% | 12.13% | 9.12% | $400.0M |
| Q1 2026 | 11.17% | 11.17% | 12.42% | 9.43% | $405.3M |
| Q2 2026 | 11.47% | 11.47% | 12.72% | 9.57% | $407.4M |
Raccoon Valley Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Raccoon Valley 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 Raccoon Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 245) · FFIEC NIC profile (RSSD 102342)