First Bank Blue Earth: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 9.47% +0.47 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $30.9M | 30,866 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $326.1M | 326,074 | RCOAA224 |
| Recomputed ratio | 9.47% | numerator / denominator | |
| Filed ratio | 9.47% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.47 pp | $1.5M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 25,000 | 25,275 | 25,000 | 22,500 | 22,500 | 22,500 | RCOAP742 |
| Retained earnings | 5,866 | 5,197 | 5,648 | 7,725 | 7,239 | 7,120 | RCOAKW00 |
| Accumulated other comprehensive income | (7,115) | (7,550) | (7,550) | (8,121) | (8,725) | (9,670) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 23,751 | 22,922 | 23,098 | 22,104 | 21,014 | 19,950 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 7,115 | 7,550 | 7,550 | 8,121 | 8,725 | 9,670 | P859 - P840 |
| Common equity Tier 1 capital | 30,866 | 30,472 | 30,648 | 30,225 | 29,739 | 29,620 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 30,866 | 30,472 | 30,648 | 30,225 | 29,739 | 29,620 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | 2,365 | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | 2,365 | NA | NA | |
| Total capital | NA | NA | NA | 32,590 | NA | NA | |
| Total risk-weighted assets | NA | NA | NA | 249,622 | NA | NA | |
| Average total assets for the leverage ratio | 326,074 | 320,179 | 316,786 | 307,173 | 304,611 | 305,602 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 9.47% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.52% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 9.67% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 12.11% | 12.11% | 13.06% | 9.84% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 9.76% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 9.69% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 9.58% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 9.64% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 9.76% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 9.78% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 9.68% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 9.63% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| First Bank Blue Earth (this bank) | CBLR | NA | NA | NA | 9.47% | |
| Forest Park National Bank and Trust Company | $322.4M | Risk-based | 10.62% | 10.62% | 11.86% | 8.32% |
| KCB Bank | $322.3M | CBLR | NA | NA | NA | 12.62% |
| First National Bank and Trust | $322.2M | CBLR | NA | NA | NA | 14.73% |
| City Bank & Trust Co. | $323.2M | CBLR | NA | NA | NA | 10.03% |
| Huron Community Bank | $323.3M | CBLR | NA | NA | NA | 9.12% |
| Brighton Bank | $321.6M | CBLR | NA | NA | NA | 11.67% |
| The Peoples Bank | $323.8M | CBLR | NA | NA | NA | 9.32% |
| Pinnacle Bank | $324.4M | Risk-based | 18.22% | 18.22% | 19.17% | 14.66% |
| American Bank and Trust Company | $324.4M | CBLR | NA | NA | NA | 15.32% |
| The First National Bank in Amboy | $324.5M | CBLR | NA | NA | NA | 10.67% |
| Peer 25th percentile | 12.52% | 12.52% | 13.69% | 9.50% | ||
| Peer median | 14.42% | 14.42% | 15.51% | 11.17% | ||
| Peer 75th percentile | 16.32% | 16.32% | 17.34% | 14.15% | ||
| This bank's percentile | NA | NA | NA | 30 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/147857/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.