Castle Rock 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%.
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.
Equity capital to total assets rose 0.31 percentage points from Q1 2026 to Q2 2026, ending at 13.92% against 13.61%. It was the largest change among the key lines on this page. On CET1 ratio, Castle Rock Bank ranks 11th highest among the 162 banks headquartered in Minnesota, at 26.35% (Q2 2026). Against a median of 15.08% for banks in the $100M-1B asset tier, Castle Rock Bank reported 26.35% on CET1 ratio in Q2 2026, 11.26 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 26.35% |
| Tier 1 risk-based capital ratio | 26.35% |
| Total risk-based capital ratio | 27.61% |
| Tier 1 leverage ratio | 14.19% |
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 | $41.6M |
| Tier 1 capital | $41.6M |
| Total risk-based capital | $43.6M |
| Total equity capital | $40.9M |
| Risk-weighted assets | $157.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.92% |
| Tangible equity to tangible assets | 13.92% |
| Equity capital to average assets | 13.94% |
| Internal capital growth rate | 8.86% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $9.9M |
| Retained earnings | $31.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$741K |
| 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 | 22.25% | 22.25% | 23.51% | 15.57% | $164.1M |
| Q4 2023 | 22.46% | 22.46% | 23.72% | 13.38% | $164.3M |
| Q1 2024 | 23.29% | 23.29% | 24.55% | 13.76% | $158.6M |
| Q2 2024 | 23.37% | 23.37% | 24.63% | 14.01% | $158.3M |
| Q3 2024 | 24.17% | 24.17% | 25.43% | 14.19% | $157.1M |
| Q4 2024 | 24.41% | 24.41% | 25.67% | 14.11% | $157.2M |
| Q1 2025 | 25.10% | 25.10% | 26.36% | 14.13% | $153.4M |
| Q2 2025 | 26.34% | 26.34% | 27.61% | 14.24% | $148.4M |
| Q3 2025 | 26.48% | 26.48% | 27.74% | 14.21% | $150.8M |
| Q4 2025 | 26.22% | 26.22% | 27.48% | 13.99% | $153.8M |
| Q1 2026 | 25.80% | 25.80% | 27.07% | 13.97% | $157.8M |
| Q2 2026 | 26.35% | 26.35% | 27.61% | 14.19% | $157.9M |
Castle Rock Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Castle Rock 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 Castle Rock Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1913) · FFIEC NIC profile (RSSD 152253)