Center National 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%.
Compared with Q1 2026, Equity capital to total assets fell 0.37 percentage points in Q2 2026 to 9.80%, the biggest move on this page. Within Minnesota, Center National Bank is 47th of 161 on CET1 ratio, 16.56% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Center National Bank sits 1.49 points higher, at 16.56% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.56% |
| Tier 1 risk-based capital ratio | 16.56% |
| Total risk-based capital ratio | 17.76% |
| Tier 1 leverage ratio | 11.05% |
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 | $26.8M |
| Tier 1 capital | $26.8M |
| Total risk-based capital | $28.7M |
| Total equity capital | $23.8M |
| Risk-weighted assets | $161.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.80% |
| Tangible equity to tangible assets | 9.80% |
| Equity capital to average assets | 9.81% |
| Internal capital growth rate | 3.72% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $1.2M |
| Retained earnings | $24.3M |
| 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 | 17.07% | 17.07% | 18.17% | 9.67% | $146.8M |
| Q4 2023 | 16.94% | 16.94% | 18.01% | 9.70% | $149.9M |
| Q1 2024 | 17.09% | 17.09% | 18.19% | 10.06% | $147.4M |
| Q2 2024 | 16.92% | 16.92% | 18.01% | 10.00% | $149.2M |
| Q3 2024 | 16.82% | 16.82% | 17.91% | 10.17% | $151.2M |
| Q4 2024 | 17.36% | 17.36% | 18.48% | 10.02% | $147.3M |
| Q1 2025 | 17.74% | 17.74% | 18.89% | 10.30% | $145.7M |
| Q2 2025 | 17.00% | 17.00% | 18.08% | 10.71% | $154.2M |
| Q3 2025 | 16.64% | 16.64% | 17.76% | 10.93% | $159.1M |
| Q4 2025 | 16.24% | 16.24% | 17.40% | 10.96% | $163.9M |
| Q1 2026 | 16.57% | 16.57% | 17.77% | 11.13% | $160.3M |
| Q2 2026 | 16.56% | 16.56% | 17.76% | 11.05% | $161.7M |
Center National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Center National 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 Center National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10976) · FFIEC NIC profile (RSSD 1017957)