Sibley 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%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which fell 6.6% to -$1.2M. Within Iowa, Sibley State Bank is 31st of 114 on CET1 ratio, 15.67% as of Q2 2026, above the middle of the field. Sibley State Bank reported 15.67% on CET1 ratio for Q2 2026, 0.60 points above 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 | 15.67% |
| Tier 1 risk-based capital ratio | 15.67% |
| Total risk-based capital ratio | 16.73% |
| Tier 1 leverage ratio | 11.03% |
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 | $11.8M |
| Tier 1 capital | $11.8M |
| Total risk-based capital | $12.6M |
| Total equity capital | $10.6M |
| Risk-weighted assets | $75.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.14% |
| Tangible equity to tangible assets | 10.14% |
| Equity capital to average assets | 9.88% |
| Internal capital growth rate | -3.31% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $419K |
| Common stock surplus | $4.4M |
| Retained earnings | $7.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.2M |
| 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 | 14.41% | 14.41% | 15.41% | 10.37% | $74.4M |
| Q4 2023 | 14.18% | 14.18% | 15.16% | 10.54% | $75.8M |
| Q1 2024 | 14.21% | 14.21% | 15.18% | 10.61% | $77.5M |
| Q2 2024 | 14.36% | 14.36% | 15.38% | 10.45% | $75.2M |
| Q3 2024 | 13.92% | 13.92% | 14.91% | 10.35% | $78.6M |
| Q4 2024 | 14.52% | 14.52% | 15.55% | 10.51% | $76.9M |
| Q1 2025 | 14.41% | 14.41% | 15.38% | 10.70% | $79.8M |
| Q2 2025 | 15.35% | 15.35% | 16.37% | 11.28% | $77.3M |
| Q3 2025 | 14.28% | 14.28% | 15.28% | 10.62% | $78.8M |
| Q4 2025 | 14.45% | 14.45% | 15.46% | 10.94% | $80.0M |
| Q1 2026 | 15.71% | 15.71% | 16.77% | 11.09% | $75.8M |
| Q2 2026 | 15.67% | 15.67% | 16.73% | 11.03% | $75.4M |
Sibley State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Sibley 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 Sibley State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11764) · FFIEC NIC profile (RSSD 598543)