American National Bank of Minnesota: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.58% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 7.58% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 14.32% +7.82 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $51.6M | 51,638 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $360.5M | 360,503 | RCOAA223 |
| Recomputed ratio | 14.32% | numerator / denominator | |
| Filed ratio | 14.32% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.82 pp | $28.2M | capital that could be lost first |
Tier 1 risk-based capital ratio 14.32% +6.32 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $51.6M | 51,638 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $360.5M | 360,503 | RCOAA223 |
| Recomputed ratio | 14.32% | numerator / denominator | |
| Filed ratio | 14.32% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +6.32 pp | $22.8M | capital that could be lost first |
Total risk-based capital ratio 15.58% +5.58 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $56.2M | 56,153 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $360.5M | 360,503 | RCOAA223 |
| Recomputed ratio | 15.58% | numerator / denominator | |
| Filed ratio | 15.58% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.58 pp | $20.1M | capital that could be lost first |
Tier 1 leverage ratio 10.85% +5.85 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $51.6M | 51,638 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $476.0M | 475,983 | RCOAA224 |
| Recomputed ratio | 10.85% | numerator / denominator | |
| Filed ratio | 10.85% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.85 pp | $27.8M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 27,643 | 27,643 | 27,643 | 27,643 | 27,643 | 27,643 | RCOAP742 |
| Retained earnings | 23,995 | 22,512 | 22,486 | 21,258 | 19,728 | 18,637 | RCOAKW00 |
| Accumulated other comprehensive income | (919) | (882) | (886) | (966) | (1,198) | (1,202) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 50,719 | 49,273 | 49,243 | 47,935 | 46,173 | 45,078 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 919 | 882 | 886 | 966 | 1,198 | 1,202 | P859 - P840 |
| Common equity Tier 1 capital | 51,638 | 50,155 | 50,129 | 48,901 | 47,371 | 46,280 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 51,638 | 50,155 | 50,129 | 48,901 | 47,371 | 46,280 | RCOA8274 |
| Tier 2 capital | 4,515 | 4,881 | 4,910 | 4,961 | 4,809 | 4,958 | RCOA5311 |
| Allowance includable in Tier 2 capital | 4,515 | 4,881 | 4,910 | 4,961 | 4,809 | 4,958 | RCOA5310 |
| Total capital | 56,153 | 55,036 | 55,039 | 53,862 | 52,180 | 51,238 | RCOA3792 |
| Total risk-weighted assets | 360,503 | 390,077 | 392,420 | 396,636 | 384,681 | 396,352 | RCOAA223 |
| Average total assets for the leverage ratio | 475,983 | 478,272 | 483,148 | 489,597 | 488,518 | 484,865 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $5.6M | $170K | 3.06% | 0.05% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $8.9M | $2.3M | 26.02% | 0.64% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $51.1M | $10.2M | 20.00% | 2.83% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $203.0M | $121.2M | 59.73% | 33.56% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $1.2M | $1.8M | 150.00% | 0.49% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $182.4M | $182.4M | 100.00% | 50.49% | RC-R Part II, item 4.d, 5.d |
| All other assets | $27.2M | $23.5M | 86.47% | 6.51% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $19.6M | $19.6M | 100.00% | 5.44% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $361.3M | ties to item 31 ($361.3M) |
|---|---|---|
| Risk-weighted assets before deductions | $361.3M | RCONB704 |
| Less: excess allowance for credit losses | $772K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $360.5M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 14.32% | 14.32% | 15.58% | 10.85% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 12.86% | 12.86% | 14.11% | 10.49% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 12.77% | 12.77% | 14.03% | 10.38% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 12.33% | 12.33% | 13.58% | 9.99% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 12.31% | 12.31% | 13.56% | 9.70% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 11.68% | 11.68% | 12.93% | 9.54% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 11.72% | 11.72% | 12.97% | 9.69% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 12.14% | 12.14% | 13.40% | 9.70% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 12.65% | 12.65% | 13.90% | 9.59% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 11.99% | 11.99% | 13.25% | 9.54% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 12.71% | 12.71% | 13.96% | 9.83% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 12.14% | 12.14% | 13.39% | 9.58% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| American National Bank of Minnesota (this bank) | Risk-based | 14.32% | 14.32% | 15.58% | 10.85% | |
| PBT Bancorp | $473.2M | Risk-based | 9.35% | 9.35% | 10.49% | 8.15% |
| Community State Bank of Orbisonia | $473.5M | CBLR | NA | NA | NA | 9.99% |
| First Northeast Bank of Nebraska | $472.6M | CBLR | NA | NA | NA | 13.51% |
| Louisiana National Bank | $474.0M | CBLR | NA | NA | NA | 10.49% |
| The Farmers Bank and Savings Company | $472.0M | CBLR | NA | NA | NA | 9.25% |
| The First National Bank of Russell Springs | $475.2M | CBLR | NA | NA | NA | 10.52% |
| BLC Community Bank | $475.5M | Risk-based | 12.28% | 12.28% | 13.35% | 10.22% |
| Citizens National Bank of Cheboygan | $471.0M | Risk-based | 14.29% | 14.29% | 15.45% | 8.49% |
| The Neffs National Bank | $470.8M | CBLR | NA | NA | NA | 16.82% |
| Iowa State Bank | $470.7M | Risk-based | 15.83% | 15.83% | 17.05% | 11.17% |
| Peer 25th percentile | 11.55% | 11.55% | 12.64% | 9.43% | ||
| Peer median | 13.29% | 13.29% | 14.40% | 10.36% | ||
| Peer 75th percentile | 14.67% | 14.67% | 15.85% | 11.01% | ||
| This bank's percentile | 75 | 75 | 75 | 70 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/306159/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.