Twin Cedars 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 Equity capital to average assets: 1.30 percentage points lower than in Q1 2026, at 10.23%. Twin Cedars Bank ranks 71st of 114 Iowa banks on CET1 ratio, in the lower half at 12.94% (Q2 2026). Twin Cedars Bank reported 12.94% on CET1 ratio for Q2 2026, 2.13 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 | 12.94% |
| Tier 1 risk-based capital ratio | 12.94% |
| Total risk-based capital ratio | 14.21% |
| Tier 1 leverage ratio | 9.19% |
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 | $11.4M |
| Tier 1 capital | $11.4M |
| Total risk-based capital | $12.5M |
| Total equity capital | $12.8M |
| Risk-weighted assets | $88.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.85% |
| Tangible equity to tangible assets | 10.13% |
| Equity capital to average assets | 10.23% |
| Internal capital growth rate | -38.08% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $47K |
| Common stock surplus | $14.0M |
| Retained earnings | -$1.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 10.94% | 10.94% | 12.08% | 9.66% | $61.8M |
| Q4 2023 | 10.72% | 10.72% | 11.94% | 9.24% | $65.2M |
| Q1 2024 | 9.96% | 9.96% | 11.22% | 8.99% | $71.2M |
| Q2 2024 | 14.59% | 14.59% | 15.84% | 13.21% | $75.2M |
| Q3 2024 | 15.01% | 15.01% | 16.26% | 12.99% | $80.8M |
| Q4 2024 | 14.37% | 14.37% | 15.63% | 11.59% | $85.3M |
| Q1 2025 | 13.45% | 13.45% | 14.71% | 11.58% | $92.2M |
| Q2 2025 | 13.86% | 13.86% | 15.12% | 11.43% | $91.3M |
| Q3 2025 | 12.80% | 12.80% | 14.05% | 10.90% | $97.9M |
| Q4 2025 | 13.24% | 13.24% | 14.50% | 10.94% | $96.0M |
| Q1 2026 | 13.55% | 13.55% | 14.82% | 10.79% | $92.8M |
| Q2 2026 | 12.94% | 12.94% | 14.21% | 9.19% | $88.2M |
Twin Cedars Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Twin Cedars 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 Twin Cedars Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1556) · FFIEC NIC profile (RSSD 750444)