Denali State 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%.
Accumulated other comprehensive income rose 7.2% from Q1 2026 to Q2 2026, ending at -$4.6M against -$5.0M. It was the largest change among the key lines on this page. At 14.77%, Denali State Bank's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.77% |
| Tier 1 risk-based capital ratio | 14.77% |
| Total risk-based capital ratio | 16.03% |
| Tier 1 leverage ratio | 11.65% |
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 | $60.9M |
| Tier 1 capital | $60.9M |
| Total risk-based capital | $66.1M |
| Total equity capital | $56.3M |
| Risk-weighted assets | $412.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.78% |
| Tangible equity to tangible assets | 10.78% |
| Equity capital to average assets | 10.76% |
| Internal capital growth rate | 15.12% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.4M |
| Common stock surplus | $23.4M |
| Retained earnings | $33.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.6M |
| 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 | 14.76% | 14.76% | 16.01% | 11.38% | $393.2M |
| Q4 2023 | 14.97% | 14.97% | 16.22% | 11.33% | $380.5M |
| Q1 2024 | 15.59% | 15.59% | 16.85% | 11.95% | $376.7M |
| Q2 2024 | 15.87% | 15.87% | 17.13% | 12.04% | $381.4M |
| Q3 2024 | 16.13% | 16.13% | 17.39% | 12.18% | $387.8M |
| Q4 2024 | 15.84% | 15.84% | 17.10% | 12.03% | $386.3M |
| Q1 2025 | 16.04% | 16.04% | 17.30% | 12.20% | $393.8M |
| Q2 2025 | 16.60% | 16.60% | 17.86% | 12.29% | $394.4M |
| Q3 2025 | 16.95% | 16.95% | 18.20% | 12.55% | $400.1M |
| Q4 2025 | 14.05% | 14.05% | 15.31% | 10.67% | $400.8M |
| Q1 2026 | 14.79% | 14.79% | 16.05% | 11.38% | $398.2M |
| Q2 2026 | 14.77% | 14.77% | 16.03% | 11.65% | $412.5M |
Denali State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Denali State 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 Denali State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26530) · FFIEC NIC profile (RSSD 571265)