South Ottumwa 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: 9.0% lower than in Q1 2026, at -$6.9M. Within Iowa, South Ottumwa Savings Bank is 16th of 114 on CET1 ratio, 18.33% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. South Ottumwa Savings Bank sits 3.26 points higher, at 18.33% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.33% |
| Tier 1 risk-based capital ratio | 18.33% |
| Total risk-based capital ratio | 19.24% |
| Tier 1 leverage ratio | 13.00% |
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 | $71.1M |
| Tier 1 capital | $71.1M |
| Total risk-based capital | $74.7M |
| Total equity capital | $76.5M |
| Risk-weighted assets | $388.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.53% |
| Tangible equity to tangible assets | 11.62% |
| Equity capital to average assets | 13.68% |
| Internal capital growth rate | 7.57% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $670K |
| Common stock surplus | $20.4M |
| Retained earnings | $62.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.9M |
| 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 | 17.26% | 17.26% | 18.17% | 11.76% | $376.3M |
| Q4 2023 | 17.21% | 17.21% | 18.11% | 11.82% | $378.9M |
| Q1 2024 | 17.17% | 17.17% | 18.08% | 12.10% | $382.0M |
| Q2 2024 | 17.39% | 17.39% | 18.38% | 12.19% | $380.2M |
| Q3 2024 | 17.39% | 17.39% | 18.25% | 12.52% | $382.2M |
| Q4 2024 | 16.79% | 16.79% | 17.68% | 11.75% | $384.8M |
| Q1 2025 | 16.98% | 16.98% | 17.87% | 12.00% | $383.0M |
| Q2 2025 | 17.46% | 17.46% | 18.37% | 12.39% | $380.5M |
| Q3 2025 | 17.80% | 17.80% | 18.65% | 13.00% | $380.5M |
| Q4 2025 | 18.30% | 18.30% | 19.21% | 13.30% | $376.2M |
| Q1 2026 | 18.22% | 18.22% | 19.12% | 13.44% | $382.5M |
| Q2 2026 | 18.33% | 18.33% | 19.24% | 13.00% | $388.1M |
South Ottumwa Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock South Ottumwa 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 South Ottumwa Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9099) · FFIEC NIC profile (RSSD 75446)