Community Bank Mankato: 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%.
Common stock surplus climbed 8.6% in Q3 2026, from $35.0M to $38.0M. It was the largest change from Q2 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.75% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $52.8M |
| Tier 1 capital | $52.8M |
| Total risk-based capital | — |
| Total equity capital | $51.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 9.68% |
| Tangible equity to tangible assets | 9.68% |
| Equity capital to average assets | 9.60% |
| Internal capital growth rate | 12.75% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $38.0M |
| Retained earnings | $14.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$819K |
| 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 |
|---|---|---|---|---|---|
| Q4 2023 | 9.81% | 9.81% | 10.81% | 8.30% | $443.8M |
| Q1 2024 | 9.68% | 9.68% | 10.67% | 8.06% | $452.9M |
| Q2 2024 | 9.93% | 9.93% | 10.95% | 8.06% | $447.0M |
| Q3 2024 | 9.96% | 9.96% | 11.01% | 8.20% | $454.1M |
| Q4 2024 | 10.33% | 10.33% | 11.42% | 8.32% | $444.6M |
| Q1 2025 | 10.72% | 10.72% | 11.84% | 8.47% | $433.5M |
| Q2 2025 | 11.06% | 11.06% | 12.19% | 8.66% | $429.9M |
| Q3 2025 | 11.37% | 11.37% | 12.54% | 8.69% | $428.6M |
| Q4 2025 | 11.65% | 11.65% | 12.86% | 8.99% | $427.5M |
| Q1 2026 | 11.95% | 11.95% | 13.16% | 9.30% | $425.2M |
| Q2 2026 | 12.10% | 12.10% | 13.23% | 9.49% | $422.6M |
| Q3 2026 | — | — | — | 9.75% | — |
Community Bank Mankato regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank Mankato, 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 Community Bank Mankato profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9760) · FFIEC NIC profile (RSSD 835257)