Banknorth: 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%.
Compared with Q1 2026, Equity capital to total assets fell 0.25 percentage points in Q2 2026 to 11.18%, the biggest move on this page. On CET1 ratio, Banknorth is 1st from the bottom among 25 North Dakota banks, 10.47% (Q2 2026). Banknorth reported 10.47% on CET1 ratio for Q2 2026, 4.60 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 | 10.47% |
| Tier 1 risk-based capital ratio | 10.47% |
| Total risk-based capital ratio | 11.51% |
| Tier 1 leverage ratio | 10.32% |
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 | $69.3M |
| Tier 1 capital | $69.3M |
| Total risk-based capital | $76.3M |
| Total equity capital | $77.6M |
| Risk-weighted assets | $662.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.18% |
| Tangible equity to tangible assets | 10.01% |
| Equity capital to average assets | 11.39% |
| Internal capital growth rate | 4.95% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $34.5M |
| Retained earnings | $43.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$771K |
| 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 | 9.79% | 9.79% | 10.82% | 9.37% | $513.8M |
| Q4 2023 | 9.61% | 9.61% | 10.60% | 9.42% | $538.4M |
| Q1 2024 | 9.64% | 9.64% | 10.60% | 9.52% | $551.5M |
| Q2 2024 | 9.04% | 9.04% | 10.01% | 8.95% | $577.0M |
| Q3 2024 | 9.27% | 9.27% | 10.23% | 8.88% | $581.4M |
| Q4 2024 | 9.87% | 9.87% | 10.83% | 9.23% | $609.1M |
| Q1 2025 | 10.42% | 10.42% | 11.40% | 10.19% | $601.1M |
| Q2 2025 | 10.26% | 10.26% | 11.25% | 10.25% | $621.4M |
| Q3 2025 | 9.97% | 9.97% | 11.00% | 10.13% | $656.8M |
| Q4 2025 | 10.24% | 10.24% | 11.20% | 10.00% | $663.5M |
| Q1 2026 | 10.54% | 10.54% | 11.57% | 10.22% | $647.6M |
| Q2 2026 | 10.47% | 10.47% | 11.51% | 10.32% | $662.4M |
Banknorth regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Banknorth, 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 Banknorth profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8387) · FFIEC NIC profile (RSSD 721350)