First Dakota National 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%.
Retained earnings rose 4.7% from Q1 2026 to Q2 2026, ending at $311.6M against $297.5M. It was the largest change among the key lines on this page.
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 | 10.40% |
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 | $347.8M |
| Tier 1 capital | $347.8M |
| Total risk-based capital | — |
| Total equity capital | $333.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.82% |
| Tangible equity to tangible assets | 9.66% |
| Equity capital to average assets | 9.94% |
| Internal capital growth rate | 17.69% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.1M |
| Common stock surplus | $41.3M |
| Retained earnings | $311.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$21.0M |
| 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 | 10.34% | 10.34% | 11.43% | 9.25% | $2.57B |
| Q4 2023 | 10.56% | 10.56% | 11.66% | 9.13% | $2.56B |
| Q1 2024 | 11.00% | 11.00% | 12.13% | 9.42% | $2.51B |
| Q2 2024 | 10.94% | 10.94% | 12.04% | 9.74% | $2.59B |
| Q3 2024 | 11.23% | 11.23% | 12.37% | 9.90% | $2.59B |
| Q4 2024 | 11.02% | 11.02% | 12.16% | 9.95% | $2.66B |
| Q1 2025 | 11.16% | 11.16% | 12.34% | 10.12% | $2.70B |
| Q2 2025 | 11.07% | 11.07% | 12.27% | 10.18% | $2.80B |
| Q3 2025 | 11.11% | 11.11% | 12.23% | 10.27% | $2.89B |
| Q4 2025 | 10.87% | 10.87% | 11.92% | 10.05% | $2.96B |
| Q1 2026 | 11.04% | 11.04% | 12.10% | 10.18% | $3.02B |
| Q2 2026 | — | — | — | 10.40% | — |
First Dakota National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Dakota National 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 First Dakota National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4028) · FFIEC NIC profile (RSSD 441256)