American Federal 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%.
Accumulated other comprehensive income dropped 12.1% in Q2 2026, from -$1.1M to -$1.2M. It was the largest change from Q1 2026 among the key lines here. Within North Dakota, American Federal Bank is 15th of 25 on CET1 ratio, 12.92% as of Q2 2026, below the middle of the field. American Federal Bank reported 12.92% on CET1 ratio for Q2 2026, 2.15 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 | 12.92% |
| Tier 1 risk-based capital ratio | 12.92% |
| Total risk-based capital ratio | 14.17% |
| Tier 1 leverage ratio | 9.32% |
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 | $72.6M |
| Tier 1 capital | $72.6M |
| Total risk-based capital | $79.6M |
| Total equity capital | $71.3M |
| Risk-weighted assets | $561.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.96% |
| Tangible equity to tangible assets | 8.96% |
| Equity capital to average assets | 9.16% |
| Internal capital growth rate | 13.91% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $13.4M |
| Retained earnings | $59.1M |
| 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 | 12.43% | 12.43% | 13.55% | 9.18% | $528.4M |
| Q4 2023 | 11.31% | 11.31% | 12.51% | 8.40% | $545.3M |
| Q1 2024 | 11.53% | 11.53% | 12.74% | 8.53% | $544.4M |
| Q2 2024 | 11.55% | 11.55% | 12.76% | 8.72% | $576.5M |
| Q3 2024 | 11.57% | 11.57% | 12.78% | 8.48% | $589.3M |
| Q4 2024 | 11.96% | 11.96% | 13.21% | 8.74% | $583.2M |
| Q1 2025 | 12.77% | 12.77% | 14.02% | 9.15% | $560.8M |
| Q2 2025 | 13.48% | 13.48% | 14.74% | 9.77% | $547.1M |
| Q3 2025 | 13.73% | 13.73% | 14.98% | 9.95% | $556.0M |
| Q4 2025 | 12.21% | 12.21% | 13.46% | 8.87% | $560.6M |
| Q1 2026 | 12.93% | 12.93% | 14.18% | 9.06% | $542.7M |
| Q2 2026 | 12.92% | 12.92% | 14.17% | 9.32% | $561.9M |
American Federal Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock American Federal 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 American Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29140) · FFIEC NIC profile (RSSD 637170)