Community Resource 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%.
Equity capital to total assets rose 0.44 percentage points from Q1 2026 to Q2 2026, ending at 11.45% against 11.02%. It was the largest change among the key lines on this page. Community Resource Bank ranks 80th of 161 Minnesota banks on CET1 ratio, in the upper half at 13.97% (Q2 2026). Community Resource Bank reported 13.97% on CET1 ratio for Q2 2026, 1.10 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 | 13.97% |
| Tier 1 risk-based capital ratio | 13.97% |
| Total risk-based capital ratio | 15.22% |
| Tier 1 leverage ratio | 10.52% |
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 | $59.8M |
| Tier 1 capital | $59.8M |
| Total risk-based capital | $65.1M |
| Total equity capital | $63.7M |
| Risk-weighted assets | $427.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.45% |
| Tangible equity to tangible assets | 10.25% |
| Equity capital to average assets | 11.06% |
| Internal capital growth rate | 2.23% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $800K |
| Common stock surplus | $49.2M |
| Retained earnings | $17.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.5M |
| 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 | 12.27% | 12.27% | 13.52% | 9.42% | $304.9M |
| Q4 2023 | 12.49% | 12.49% | 13.74% | 9.83% | $309.8M |
| Q1 2024 | 12.18% | 12.18% | 13.44% | 9.76% | $314.2M |
| Q2 2024 | 12.32% | 12.32% | 13.58% | 9.96% | $311.8M |
| Q3 2024 | 12.29% | 12.29% | 13.55% | 10.12% | $313.8M |
| Q4 2024 | 11.73% | 11.73% | 12.98% | 9.74% | $313.8M |
| Q1 2025 | 11.64% | 11.64% | 12.89% | 9.83% | $322.3M |
| Q2 2025 | 13.67% | 13.67% | 14.92% | 10.22% | $406.6M |
| Q3 2025 | 14.20% | 14.20% | 15.46% | 10.47% | $399.2M |
| Q4 2025 | 14.01% | 14.01% | 15.26% | 10.74% | $417.0M |
| Q1 2026 | 14.10% | 14.10% | 15.35% | 10.39% | $421.6M |
| Q2 2026 | 13.97% | 13.97% | 15.22% | 10.52% | $427.9M |
Community Resource Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Resource 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 Community Resource Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5219) · FFIEC NIC profile (RSSD 813853)