Visionbank of Iowa: 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 Retained earnings: 7.8% higher than in Q1 2026, at $26.6M. Within Iowa, Visionbank of Iowa is 101st of 114 on CET1 ratio, 10.95% as of Q2 2026, below the middle of the field. Visionbank of Iowa reported 10.95% on CET1 ratio for Q2 2026, 4.12 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 | 10.95% |
| Tier 1 risk-based capital ratio | 10.95% |
| Total risk-based capital ratio | 12.04% |
| Tier 1 leverage ratio | 9.43% |
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 | $84.7M |
| Tier 1 capital | $84.7M |
| Total risk-based capital | $93.1M |
| Total equity capital | $94.5M |
| Risk-weighted assets | $773.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.54% |
| Tangible equity to tangible assets | 9.42% |
| Equity capital to average assets | 10.39% |
| Internal capital growth rate | 8.32% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $12.4M |
| Common stock surplus | $56.7M |
| Retained earnings | $26.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.3M |
| 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 | 9.39% | 9.39% | 10.40% | 8.64% | $711.0M |
| Q4 2023 | 9.27% | 9.27% | 10.28% | 8.59% | $731.0M |
| Q1 2024 | 9.53% | 9.53% | 10.54% | 8.75% | $734.2M |
| Q2 2024 | 9.54% | 9.54% | 10.51% | 8.91% | $765.2M |
| Q3 2024 | 9.81% | 9.81% | 10.78% | 8.86% | $765.0M |
| Q4 2024 | 9.56% | 9.56% | 10.56% | 8.55% | $797.6M |
| Q1 2025 | 9.91% | 9.91% | 10.94% | 8.76% | $785.6M |
| Q2 2025 | 10.26% | 10.26% | 11.33% | 8.93% | $772.3M |
| Q3 2025 | 10.04% | 10.04% | 11.10% | 8.89% | $783.8M |
| Q4 2025 | 10.21% | 10.21% | 11.28% | 8.91% | $788.5M |
| Q1 2026 | 10.44% | 10.44% | 11.51% | 9.28% | $791.3M |
| Q2 2026 | 10.95% | 10.95% | 12.04% | 9.43% | $773.4M |
Visionbank of Iowa regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Visionbank of Iowa, 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 Visionbank of Iowa profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11763) · FFIEC NIC profile (RSSD 269049)