Eagle 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.
Compared with Q1 2026, Retained earnings rose 3.8% in Q2 2026 to $11.0M, the biggest move on this page. Eagle Bank ranks 23rd of 162 Minnesota banks on CET1 ratio, in the upper half at 22.37% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Eagle Bank sits 7.28 points higher, at 22.37% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 22.37% |
| Tier 1 risk-based capital ratio | 22.37% |
| Total risk-based capital ratio | 23.62% |
| Tier 1 leverage ratio | 14.35% |
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 | $32.7M |
| Tier 1 capital | $32.7M |
| Total risk-based capital | $34.5M |
| Total equity capital | $31.9M |
| Risk-weighted assets | $146.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.06% |
| Tangible equity to tangible assets | 13.92% |
| Equity capital to average assets | 13.99% |
| Internal capital growth rate | 5.13% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $21.9M |
| Retained earnings | $11.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | 18.99% | 18.99% | 20.25% | 12.18% | $141.0M |
| Q4 2023 | 19.28% | 19.28% | 20.53% | 12.44% | $142.8M |
| Q1 2024 | 20.20% | 20.20% | 21.46% | 12.48% | $137.8M |
| Q2 2024 | 19.14% | 19.14% | 20.39% | 12.77% | $147.0M |
| Q3 2024 | 19.31% | 19.31% | 20.56% | 13.13% | $148.6M |
| Q4 2024 | 20.29% | 20.29% | 21.55% | 13.70% | $146.2M |
| Q1 2025 | 21.30% | 21.30% | 22.55% | 14.14% | $142.6M |
| Q2 2025 | 20.49% | 20.49% | 21.74% | 14.07% | $148.7M |
| Q3 2025 | 21.13% | 21.13% | 22.39% | 14.15% | $146.1M |
| Q4 2025 | 20.98% | 20.98% | 22.23% | 14.23% | $150.7M |
| Q1 2026 | 22.11% | 22.11% | 23.33% | 14.70% | $145.9M |
| Q2 2026 | 22.37% | 22.37% | 23.62% | 14.35% | $146.0M |
Eagle Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Eagle 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 Eagle Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8824) · FFIEC NIC profile (RSSD 1000959)