DNB National 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%.
Compared with Q1 2026, Total risk-based capital ratio fell 0.76 percentage points in Q2 2026 to 22.98%, the biggest move on this page. DNB National Bank ranks 9th of 36 South Dakota banks on CET1 ratio, in the upper half at 22.04% (Q2 2026). DNB National Bank reported 22.04% on CET1 ratio for Q2 2026, 6.95 points above the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 22.04% |
| Tier 1 risk-based capital ratio | 22.04% |
| Total risk-based capital ratio | 22.98% |
| Tier 1 leverage ratio | 8.89% |
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 | $10.9M |
| Tier 1 capital | $10.9M |
| Total risk-based capital | $11.4M |
| Total equity capital | $7.7M |
| Risk-weighted assets | $49.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.24% |
| Tangible equity to tangible assets | 6.08% |
| Equity capital to average assets | 6.30% |
| Internal capital growth rate | 2.22% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $2.9M |
| Retained earnings | $8.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.4M |
| 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 | 21.36% | 21.36% | 22.36% | 9.20% | $45.8M |
| Q4 2023 | 21.13% | 21.13% | 22.10% | 9.17% | $47.2M |
| Q1 2024 | 21.26% | 21.26% | 22.24% | 9.22% | $46.4M |
| Q2 2024 | 21.27% | 21.27% | 22.25% | 9.24% | $47.5M |
| Q3 2024 | 21.90% | 21.90% | 22.90% | 9.31% | $46.6M |
| Q4 2024 | 22.45% | 22.45% | 23.46% | 9.45% | $46.2M |
| Q1 2025 | 22.50% | 22.50% | 23.53% | 9.35% | $46.0M |
| Q2 2025 | 22.05% | 22.05% | 23.01% | 9.39% | $47.8M |
| Q3 2025 | 22.03% | 22.03% | 22.93% | 9.66% | $49.7M |
| Q4 2025 | 22.33% | 22.33% | 23.25% | 9.60% | $50.6M |
| Q1 2026 | 22.77% | 22.77% | 23.74% | 9.26% | $47.9M |
| Q2 2026 | 22.04% | 22.04% | 22.98% | 8.89% | $49.5M |
DNB National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock DNB National 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 DNB National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3977) · FFIEC NIC profile (RSSD 401559)