21st Century 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: 10.4% lower than in Q1 2026, at -$12.9M. 21st Century Bank ranks 72nd of 161 Minnesota banks on CET1 ratio, in the upper half at 14.71% (Q2 2026). At 14.71%, 21st Century Bank's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.71% |
| Tier 1 risk-based capital ratio | 14.71% |
| Total risk-based capital ratio | 15.70% |
| Tier 1 leverage ratio | 10.66% |
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 | $95.6M |
| Tier 1 capital | $95.6M |
| Total risk-based capital | $102.0M |
| Total equity capital | $82.7M |
| Risk-weighted assets | $649.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.24% |
| Tangible equity to tangible assets | 9.24% |
| Equity capital to average assets | 9.22% |
| Internal capital growth rate | 9.15% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $341K |
| Common stock surplus | $74.7M |
| Retained earnings | $20.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.9M |
| 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 | 16.16% | 16.16% | 17.18% | 11.45% | $513.9M |
| Q4 2023 | 15.83% | 15.83% | 16.85% | 11.60% | $532.3M |
| Q1 2024 | 15.36% | 15.36% | 16.37% | 11.34% | $533.4M |
| Q2 2024 | 15.52% | 15.52% | 16.53% | 11.29% | $536.6M |
| Q3 2024 | 15.43% | 15.43% | 16.45% | 11.32% | $547.4M |
| Q4 2024 | 14.70% | 14.70% | 15.67% | 11.08% | $584.8M |
| Q1 2025 | 15.21% | 15.21% | 16.25% | 10.75% | $565.4M |
| Q2 2025 | 15.19% | 15.19% | 16.22% | 10.62% | $580.5M |
| Q3 2025 | 14.62% | 14.62% | 15.55% | 10.66% | $620.3M |
| Q4 2025 | 14.52% | 14.52% | 15.51% | 10.70% | $647.0M |
| Q1 2026 | 14.41% | 14.41% | 15.38% | 10.43% | $650.4M |
| Q2 2026 | 14.71% | 14.71% | 15.70% | 10.66% | $649.8M |
21st Century Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock 21st Century 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 21st Century Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9751) · FFIEC NIC profile (RSSD 340256)