Bankcherokee: 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Total equity capital: 26.8% higher than in Q1 2026, at $42.8M. Within Minnesota, Bankcherokee is 60th of 162 on CET1 ratio, 15.52% as of Q2 2026. At 15.52%, Bankcherokee's CET1 ratio is close to the 15.08% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.52% |
| Tier 1 risk-based capital ratio | 15.52% |
| Total risk-based capital ratio | 16.77% |
| Tier 1 leverage ratio | 11.01% |
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 | $45.8M |
| Tier 1 capital | $45.8M |
| Total risk-based capital | $49.4M |
| Total equity capital | $42.8M |
| Risk-weighted assets | $294.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.64% |
| Tangible equity to tangible assets | 10.64% |
| Equity capital to average assets | 10.29% |
| Internal capital growth rate | -2.53% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $40.9M |
| Retained earnings | $4.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.0M |
| 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 | 14.33% | 14.33% | 15.58% | 8.88% | $238.6M |
| Q4 2023 | 14.09% | 14.09% | 15.34% | 9.00% | $246.4M |
| Q1 2024 | 14.04% | 14.04% | 15.29% | 8.95% | $247.1M |
| Q2 2024 | 13.60% | 13.60% | 14.85% | 8.96% | $257.5M |
| Q3 2024 | 13.59% | 13.59% | 14.84% | 8.94% | $260.6M |
| Q4 2024 | 13.18% | 13.18% | 14.43% | 9.13% | $272.7M |
| Q1 2025 | 13.36% | 13.36% | 14.61% | 8.98% | $269.5M |
| Q2 2025 | 13.19% | 13.19% | 14.44% | 9.10% | $276.6M |
| Q3 2025 | 13.20% | 13.20% | 14.45% | 9.17% | $280.5M |
| Q4 2025 | 14.14% | 14.14% | 15.39% | 9.20% | $266.4M |
| Q1 2026 | 13.60% | 13.60% | 14.85% | 9.25% | $280.6M |
| Q2 2026 | 15.52% | 15.52% | 16.77% | 11.01% | $294.8M |
Bankcherokee regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankcherokee, 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 Bankcherokee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8537) · FFIEC NIC profile (RSSD 748254)