First Bank Blue Earth: 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%.
Retained earnings climbed 12.9% in Q2 2026, from $5.2M to $5.9M. It was the largest change from Q1 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.47% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $30.9M |
| Tier 1 capital | $30.9M |
| Total risk-based capital | — |
| Total equity capital | $23.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.36% |
| Tangible equity to tangible assets | 7.36% |
| Equity capital to average assets | 7.28% |
| Internal capital growth rate | 6.86% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $750K |
| Common stock surplus | $24.2M |
| Retained earnings | $5.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.1M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 9.63% | 4.67% | 4.67% |
| Q4 2023 | 9.68% | 5.46% | 5.46% |
| Q1 2024 | 9.78% | 5.78% | 5.78% |
| Q2 2024 | 9.76% | 5.81% | 5.81% |
| Q3 2024 | 9.64% | 6.28% | 6.28% |
| Q4 2024 | 9.58% | 6.10% | 6.10% |
| Q1 2025 | 9.69% | 6.58% | 6.58% |
| Q2 2025 | 9.76% | 6.87% | 6.87% |
| Q3 2025 | 9.84% | 7.23% | 7.23% |
| Q4 2025 | 9.67% | 7.17% | 7.17% |
| Q1 2026 | 9.52% | 7.14% | 7.14% |
| Q2 2026 | 9.47% | 7.36% | 7.36% |
First Bank Blue Earth regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank Blue Earth, 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 First Bank Blue Earth profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5097) · FFIEC NIC profile (RSSD 147857)