Eagle Rock 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%.
Risk-weighted assets climbed 104.0% in Q2 2026, from $240.9M to $491.3M. It was the largest change from Q1 2026 among the key lines here. Eagle Rock Bank ranks 135th of 161 Minnesota banks on CET1 ratio, in the lower half at 11.55% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Eagle Rock Bank sits 3.52 points lower, at 11.55% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.55% |
| Tier 1 risk-based capital ratio | 11.55% |
| Total risk-based capital ratio | 12.07% |
| Tier 1 leverage ratio | 13.80% |
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 | $56.8M |
| Tier 1 capital | $56.8M |
| Total risk-based capital | $59.3M |
| Total equity capital | $57.9M |
| Risk-weighted assets | $491.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.40% |
| Tangible equity to tangible assets | 10.99% |
| Equity capital to average assets | 14.00% |
| Internal capital growth rate | 8.67% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $56.0M |
| Retained earnings | $2.8M |
| 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 | 12.34% | 12.34% | 13.32% | 11.26% | $204.5M |
| Q4 2023 | 12.37% | 12.37% | 13.36% | 11.16% | $207.3M |
| Q1 2024 | 12.41% | 12.41% | 13.49% | 10.83% | $209.3M |
| Q2 2024 | 11.52% | 11.52% | 12.54% | 11.09% | $229.7M |
| Q3 2024 | 11.52% | 11.52% | 12.44% | 10.56% | $234.7M |
| Q4 2024 | 11.74% | 11.74% | 12.61% | 10.57% | $231.6M |
| Q1 2025 | 11.67% | 11.67% | 12.59% | 10.67% | $236.7M |
| Q2 2025 | 11.56% | 11.56% | 12.51% | 10.57% | $244.6M |
| Q3 2025 | 11.63% | 11.63% | 12.62% | 10.49% | $249.0M |
| Q4 2025 | 12.72% | 12.72% | 13.66% | 11.02% | $234.4M |
| Q1 2026 | 12.61% | 12.61% | 13.58% | 11.16% | $240.9M |
| Q2 2026 | 11.55% | 11.55% | 12.07% | 13.80% | $491.3M |
Eagle Rock Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Eagle Rock 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 Rock Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34171) · FFIEC NIC profile (RSSD 2391588)