Shelby County State 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, Equity capital to total assets rose 0.42 percentage points in Q2 2026 to 11.21%, the biggest move on this page. Within Iowa, Shelby County State Bank is 60th of 114 on CET1 ratio, 13.64% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Shelby County State Bank sits 1.43 points lower, at 13.64% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.64% |
| Tier 1 risk-based capital ratio | 13.64% |
| Total risk-based capital ratio | 14.81% |
| Tier 1 leverage ratio | 10.00% |
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 | $52.1M |
| Tier 1 capital | $52.1M |
| Total risk-based capital | $56.6M |
| Total equity capital | $58.7M |
| Risk-weighted assets | $382.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.21% |
| Tangible equity to tangible assets | 9.29% |
| Equity capital to average assets | 11.03% |
| Internal capital growth rate | 3.18% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $35.0M |
| Retained earnings | $26.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.5M |
| 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 | 13.44% | 13.44% | 14.38% | 9.61% | $375.2M |
| Q4 2023 | 13.23% | 13.23% | 14.22% | 9.58% | $385.4M |
| Q1 2024 | 12.78% | 12.78% | 13.80% | 9.33% | $396.0M |
| Q2 2024 | 12.78% | 12.78% | 13.82% | 9.18% | $393.7M |
| Q3 2024 | 12.87% | 12.87% | 13.93% | 9.17% | $390.5M |
| Q4 2024 | 12.65% | 12.65% | 13.71% | 9.26% | $398.3M |
| Q1 2025 | 12.72% | 12.72% | 13.81% | 9.48% | $397.9M |
| Q2 2025 | 12.57% | 12.57% | 13.66% | 9.57% | $404.2M |
| Q3 2025 | 12.73% | 12.73% | 13.80% | 9.73% | $401.1M |
| Q4 2025 | 12.69% | 12.69% | 13.79% | 9.67% | $403.6M |
| Q1 2026 | 13.24% | 13.24% | 14.39% | 9.83% | $389.6M |
| Q2 2026 | 13.64% | 13.64% | 14.81% | 10.00% | $382.1M |
Shelby County State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Shelby County State 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 Shelby County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1553) · FFIEC NIC profile (RSSD 536349)