Concorde 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.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 6.7% to $5.5M. Within Minnesota, Concorde Bank is 62nd of 162 on CET1 ratio, 15.45% as of Q2 2026. Concorde Bank reported 15.45% on CET1 ratio for Q2 2026, 4.51 points below the 19.96% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.45% |
| Tier 1 risk-based capital ratio | 15.45% |
| Total risk-based capital ratio | 16.71% |
| Tier 1 leverage ratio | 10.35% |
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 | $9.3M |
| Tier 1 capital | $9.3M |
| Total risk-based capital | $10.1M |
| Total equity capital | $9.0M |
| Risk-weighted assets | $60.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.13% |
| Tangible equity to tangible assets | 10.13% |
| Equity capital to average assets | 9.94% |
| Internal capital growth rate | 15.91% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $3.7M |
| Retained earnings | $5.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$374K |
| 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 | 13.13% | 13.13% | 14.39% | 9.78% | $56.3M |
| Q4 2023 | 13.39% | 13.39% | 14.65% | 10.33% | $57.3M |
| Q1 2024 | 13.54% | 13.54% | 14.81% | 10.32% | $58.5M |
| Q2 2024 | 13.29% | 13.29% | 14.56% | 10.46% | $59.4M |
| Q3 2024 | 13.58% | 13.58% | 14.84% | 10.86% | $59.4M |
| Q4 2024 | 13.90% | 13.90% | 15.16% | 11.19% | $59.9M |
| Q1 2025 | 13.97% | 13.97% | 15.24% | 11.00% | $61.2M |
| Q2 2025 | 13.76% | 13.76% | 15.02% | 11.05% | $62.6M |
| Q3 2025 | 14.39% | 14.39% | 15.66% | 10.78% | $61.3M |
| Q4 2025 | 14.66% | 14.66% | 15.91% | 10.80% | $62.1M |
| Q1 2026 | 14.42% | 14.42% | 15.68% | 10.25% | $62.3M |
| Q2 2026 | 15.45% | 15.45% | 16.71% | 10.35% | $60.4M |
Concorde Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Concorde 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 Concorde Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9727) · FFIEC NIC profile (RSSD 273653)