Deerwood 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%.
Retained earnings rose 6.9% from Q1 2026 to Q2 2026, ending at $51.0M against $47.7M. It was the largest change among the key lines on this page. Within Minnesota, Deerwood Bank is 139th of 161 on CET1 ratio, 11.34% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Deerwood Bank sits 2.15 points lower, at 11.34% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.34% |
| Tier 1 risk-based capital ratio | 11.34% |
| Total risk-based capital ratio | 12.13% |
| Tier 1 leverage ratio | 8.06% |
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 | $120.8M |
| Tier 1 capital | $120.8M |
| Total risk-based capital | $129.2M |
| Total equity capital | $135.2M |
| Risk-weighted assets | $1.07B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.91% |
| Tangible equity to tangible assets | 7.94% |
| Equity capital to average assets | 8.93% |
| Internal capital growth rate | 10.01% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $85.5M |
| Retained earnings | $51.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.5M |
| 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 | 12.58% | 12.58% | 13.26% | 9.44% | $785.8M |
| Q4 2023 | 12.69% | 12.69% | 13.38% | 9.70% | $792.5M |
| Q1 2024 | 13.01% | 13.01% | 13.71% | 9.95% | $787.2M |
| Q2 2024 | 13.33% | 13.33% | 14.06% | 10.58% | $786.4M |
| Q3 2024 | 11.24% | 11.24% | 11.96% | 10.18% | $909.2M |
| Q4 2024 | 11.12% | 11.12% | 11.83% | 8.76% | $919.2M |
| Q1 2025 | 11.51% | 11.51% | 12.28% | 9.07% | $910.2M |
| Q2 2025 | 11.22% | 11.22% | 12.01% | 9.45% | $961.5M |
| Q3 2025 | 10.99% | 10.99% | 11.79% | 8.73% | $1.01B |
| Q4 2025 | 10.93% | 10.93% | 11.71% | 8.26% | $1.05B |
| Q1 2026 | 11.49% | 11.49% | 12.33% | 8.08% | $1.02B |
| Q2 2026 | 11.34% | 11.34% | 12.13% | 8.06% | $1.07B |
Deerwood Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Deerwood 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 Deerwood Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5123) · FFIEC NIC profile (RSSD 314257)