Dakota Community Bank & Trust, 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%.
Accumulated other comprehensive income climbed 43.2% in Q2 2026, from -$13.1M to -$7.5M. It was the largest change from Q1 2026 among the key lines here. Within North Dakota, Dakota Community Bank & Trust, N.A. is 14th of 25 on CET1 ratio, 13.32% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio; Dakota Community Bank & Trust, N.A. reported 13.32% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.32% |
| Tier 1 risk-based capital ratio | 13.32% |
| Total risk-based capital ratio | 14.36% |
| Tier 1 leverage ratio | 9.07% |
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 | $125.8M |
| Tier 1 capital | $125.8M |
| Total risk-based capital | $135.6M |
| Total equity capital | $119.1M |
| Risk-weighted assets | $944.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.58% |
| Tangible equity to tangible assets | 8.53% |
| Equity capital to average assets | 8.58% |
| Internal capital growth rate | 10.24% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $170K |
| Common stock surplus | $17.3M |
| Retained earnings | $109.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.5M |
| 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 | 12.48% | 12.48% | 13.73% | 7.76% | $764.5M |
| Q4 2023 | 13.06% | 13.06% | 14.30% | 7.71% | $753.9M |
| Q1 2024 | 13.26% | 13.26% | 14.49% | 8.02% | $770.5M |
| Q2 2024 | 13.13% | 13.13% | 14.34% | 8.24% | $790.9M |
| Q3 2024 | 13.35% | 13.35% | 14.54% | 8.69% | $801.7M |
| Q4 2024 | 13.45% | 13.45% | 14.65% | 8.42% | $794.8M |
| Q1 2025 | 13.62% | 13.62% | 14.80% | 8.70% | $816.3M |
| Q2 2025 | 13.32% | 13.32% | 14.46% | 8.52% | $842.7M |
| Q3 2025 | 13.64% | 13.64% | 14.78% | 8.73% | $849.4M |
| Q4 2025 | 13.47% | 13.47% | 14.58% | 8.51% | $872.8M |
| Q1 2026 | 13.83% | 13.83% | 14.92% | 8.93% | $894.7M |
| Q2 2026 | 13.32% | 13.32% | 14.36% | 9.07% | $944.3M |
Dakota Community Bank & Trust, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Dakota Community Bank & Trust, 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 Dakota Community Bank & Trust, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15728) · FFIEC NIC profile (RSSD 815156)