The Riddell National 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 Accumulated other comprehensive income, which fell 6.7% to -$3.6M. Within Indiana, The Riddell National Bank is 45th of 50 on CET1 ratio, 11.00% as of Q2 2026, below the middle of the field. The Riddell National Bank reported 11.00% on CET1 ratio for Q2 2026, 4.07 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 | 11.00% |
| Tier 1 risk-based capital ratio | 11.00% |
| Total risk-based capital ratio | 12.22% |
| Tier 1 leverage ratio | 8.49% |
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 | $32.7M |
| Tier 1 capital | $32.7M |
| Total risk-based capital | $36.3M |
| Total equity capital | $29.1M |
| Risk-weighted assets | $297.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.58% |
| Tangible equity to tangible assets | 7.58% |
| Equity capital to average assets | 7.56% |
| Internal capital growth rate | 14.29% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.3M |
| Common stock surplus | $1.3M |
| Retained earnings | $30.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.6M |
| 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 | 11.80% | 11.80% | 12.90% | 8.90% | $236.8M |
| Q4 2023 | 11.42% | 11.42% | 12.55% | 8.57% | $243.2M |
| Q1 2024 | 11.01% | 11.01% | 12.23% | 8.37% | $252.7M |
| Q2 2024 | 10.95% | 10.95% | 12.04% | 8.45% | $259.8M |
| Q3 2024 | 11.05% | 11.05% | 12.16% | 8.51% | $262.7M |
| Q4 2024 | 10.68% | 10.68% | 11.82% | 8.16% | $270.8M |
| Q1 2025 | 10.76% | 10.76% | 11.96% | 8.16% | $272.3M |
| Q2 2025 | 11.02% | 11.02% | 12.25% | 8.42% | $272.9M |
| Q3 2025 | 10.91% | 10.91% | 12.11% | 8.48% | $283.5M |
| Q4 2025 | 10.94% | 10.94% | 12.15% | 8.38% | $283.3M |
| Q1 2026 | 10.79% | 10.79% | 12.01% | 8.40% | $293.7M |
| Q2 2026 | 11.00% | 11.00% | 12.22% | 8.49% | $297.2M |
The Riddell National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Riddell National 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 Riddell National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4318) · FFIEC NIC profile (RSSD 319047)