Community Bank Owatonna: 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%.
The standout move of Q2 2026 was in Retained earnings: 18.8% higher than in Q1 2026, at $1.2M. Within Minnesota, Community Bank Owatonna is 141st of 161 on CET1 ratio, 11.20% as of Q2 2026, below the middle of the field. Community Bank Owatonna reported 11.20% on CET1 ratio for Q2 2026, 3.87 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 | 11.20% |
| Tier 1 risk-based capital ratio | 11.20% |
| Total risk-based capital ratio | 12.18% |
| Tier 1 leverage ratio | 7.98% |
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 | $8.2M |
| Tier 1 capital | $8.2M |
| Total risk-based capital | $9.0M |
| Total equity capital | $7.3M |
| Risk-weighted assets | $73.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.02% |
| Tangible equity to tangible assets | 7.02% |
| Equity capital to average assets | 7.01% |
| Internal capital growth rate | 11.37% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $6.0M |
| Retained earnings | $1.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$996K |
| 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 | 11.54% | 11.54% | 12.51% | 8.11% | $63.1M |
| Q4 2023 | 10.81% | 10.81% | 11.75% | 7.92% | $66.3M |
| Q1 2024 | 11.98% | 11.98% | 13.04% | 7.94% | $60.2M |
| Q2 2024 | 11.72% | 11.72% | 12.80% | 8.22% | $61.7M |
| Q3 2024 | 11.05% | 11.05% | 11.73% | 8.13% | $65.6M |
| Q4 2024 | 10.89% | 10.89% | 11.79% | 7.80% | $66.0M |
| Q1 2025 | 10.65% | 10.65% | 11.47% | 7.60% | $68.2M |
| Q2 2025 | 10.88% | 10.88% | 11.76% | 7.68% | $67.8M |
| Q3 2025 | 10.55% | 10.55% | 11.49% | 7.46% | $68.5M |
| Q4 2025 | 10.87% | 10.87% | 11.80% | 8.18% | $72.2M |
| Q1 2026 | 11.08% | 11.08% | 12.04% | 8.49% | $72.7M |
| Q2 2026 | 11.20% | 11.20% | 12.18% | 7.98% | $73.6M |
Community Bank Owatonna regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank Owatonna, 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 Owatonna profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57468) · FFIEC NIC profile (RSSD 3139321)