Drake 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.59 percentage points to 6.97%. On CET1 ratio, Drake Bank is 3rd from the bottom among 162 Minnesota banks, 9.80% (Q2 2026). Drake Bank reported 9.80% on CET1 ratio for Q2 2026, 5.28 points below 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 | 9.80% |
| Tier 1 risk-based capital ratio | 9.80% |
| Total risk-based capital ratio | 11.07% |
| Tier 1 leverage ratio | 7.27% |
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 | $18.6M |
| Tier 1 capital | $18.6M |
| Total risk-based capital | $21.0M |
| Total equity capital | $17.2M |
| Risk-weighted assets | $189.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.97% |
| Tangible equity to tangible assets | 6.97% |
| Equity capital to average assets | 6.74% |
| Internal capital growth rate | 9.84% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $18.0M |
| Retained earnings | $403K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.4M |
| 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 | — | — | — | 10.12% | — |
| Q4 2023 | — | — | — | 9.63% | — |
| Q1 2024 | — | — | — | 9.12% | — |
| Q2 2024 | — | — | — | 9.04% | — |
| Q3 2024 | — | — | — | 8.70% | — |
| Q4 2024 | 10.70% | 10.70% | 11.95% | 8.95% | $211.2M |
| Q1 2025 | 10.45% | 10.45% | 11.71% | 8.42% | $211.6M |
| Q2 2025 | 10.79% | 10.79% | 12.05% | 8.28% | $208.4M |
| Q3 2025 | 11.21% | 11.21% | 12.35% | 8.35% | $203.5M |
| Q4 2025 | 10.55% | 10.55% | 11.80% | 7.96% | $198.2M |
| Q1 2026 | 9.50% | 9.50% | 10.78% | 6.98% | $190.1M |
| Q2 2026 | 9.80% | 9.80% | 11.07% | 7.27% | $189.8M |
Drake Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Drake 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 Drake Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57336) · FFIEC NIC profile (RSSD 3090833)