Cortrust Bank N.A.: 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 biggest quarter-over-quarter change on this page was a small one: Accumulated other comprehensive income edged up 2.0% between Q1 2026 and Q2 2026, to -$19.0M. Within South Dakota, Cortrust Bank N.A. is 26th of 36 on CET1 ratio, 13.27% as of Q2 2026, below the middle of the field. At 13.27%, Cortrust Bank N.A.'s CET1 ratio is close to the 13.48% median for banks in the $1B-10B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.27% |
| Tier 1 risk-based capital ratio | 13.27% |
| Total risk-based capital ratio | 14.30% |
| Tier 1 leverage ratio | 9.92% |
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 | $154.9M |
| Tier 1 capital | $154.9M |
| Total risk-based capital | $167.0M |
| Total equity capital | $138.9M |
| Risk-weighted assets | $1.17B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.88% |
| Tangible equity to tangible assets | 8.70% |
| Equity capital to average assets | 8.88% |
| Internal capital growth rate | 0.26% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.7M |
| Common stock surplus | $52.0M |
| Retained earnings | $102.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$19.0M |
| 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 | 11.62% | 11.62% | 12.87% | 8.92% | $1.22B |
| Q4 2023 | 12.03% | 12.03% | 13.28% | 9.03% | $1.19B |
| Q1 2024 | 12.55% | 12.55% | 13.80% | 9.25% | $1.16B |
| Q2 2024 | 12.48% | 12.48% | 13.74% | 9.46% | $1.16B |
| Q3 2024 | 12.57% | 12.57% | 13.82% | 9.58% | $1.16B |
| Q4 2024 | 12.69% | 12.69% | 13.93% | 9.73% | $1.17B |
| Q1 2025 | 13.14% | 13.14% | 14.36% | 10.02% | $1.14B |
| Q2 2025 | 13.06% | 13.06% | 14.24% | 10.05% | $1.15B |
| Q3 2025 | 13.44% | 13.44% | 14.62% | 10.21% | $1.13B |
| Q4 2025 | 13.33% | 13.33% | 14.47% | 10.35% | $1.15B |
| Q1 2026 | 13.42% | 13.42% | 14.52% | 10.14% | $1.15B |
| Q2 2026 | 13.27% | 13.27% | 14.30% | 9.92% | $1.17B |
Cortrust Bank N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Cortrust Bank N.A., 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 Cortrust Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6063) · FFIEC NIC profile (RSSD 61355)