The Readlyn 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: 10.8% higher than in Q1 2026, at -$2.6M. Among 114 Iowa banks, The Readlyn Savings Bank sits 9th from the top on CET1 ratio, 26.80% as of Q2 2026. Against a median of 15.07% for banks in the $100M-1B asset tier, The Readlyn Savings Bank reported 26.80% on CET1 ratio in Q2 2026, 11.72 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 26.80% |
| Tier 1 risk-based capital ratio | 26.80% |
| Total risk-based capital ratio | 28.02% |
| Tier 1 leverage ratio | 19.30% |
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 | $29.5M |
| Tier 1 capital | $29.5M |
| Total risk-based capital | $30.9M |
| Total equity capital | $26.9M |
| Risk-weighted assets | $110.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 18.17% |
| Tangible equity to tangible assets | 18.17% |
| Equity capital to average assets | 17.60% |
| Internal capital growth rate | -0.09% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $350K |
| Common stock surplus | $3.5M |
| Retained earnings | $25.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.6M |
| 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 | 23.89% | 23.89% | 25.06% | 19.87% | $111.4M |
| Q4 2023 | 23.14% | 23.14% | 24.31% | 19.55% | $114.9M |
| Q1 2024 | 23.59% | 23.59% | 24.76% | 19.55% | $115.3M |
| Q2 2024 | 24.36% | 24.36% | 25.56% | 19.88% | $112.8M |
| Q3 2024 | 25.15% | 25.15% | 26.37% | 20.29% | $110.4M |
| Q4 2024 | 25.13% | 25.13% | 26.34% | 19.99% | $111.7M |
| Q1 2025 | 24.62% | 24.62% | 25.80% | 19.72% | $114.2M |
| Q2 2025 | 24.86% | 24.86% | 26.04% | 18.96% | $113.6M |
| Q3 2025 | 25.89% | 25.89% | 27.12% | 19.47% | $109.9M |
| Q4 2025 | 26.22% | 26.22% | 27.45% | 19.43% | $110.1M |
| Q1 2026 | 26.29% | 26.29% | 27.49% | 19.61% | $112.4M |
| Q2 2026 | 26.80% | 26.80% | 28.02% | 19.30% | $110.2M |
The Readlyn Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Readlyn 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 The Readlyn Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9300) · FFIEC NIC profile (RSSD 287342)