First Dakota National Bank: 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 10.40% +1.40 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 | $347.8M | 347,827 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $3.34B | 3,343,736 | RCOAA224 |
| Recomputed ratio | 10.40% | numerator / denominator | |
| Filed ratio | 10.40% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.40 pp | $46.9M | 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 | 42,358 | 42,358 | 42,358 | 42,358 | 42,358 | 42,358 | RCOAP742 |
| Retained earnings | 311,640 | 297,527 | 285,994 | 284,815 | 274,039 | 265,301 | RCOAKW00 |
| Accumulated other comprehensive income | (20,962) | (20,753) | (20,436) | (22,305) | (25,434) | (27,452) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 333,036 | 319,132 | 307,916 | 304,868 | 290,963 | 280,207 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 14,791 | 14,582 | 14,265 | 16,134 | 19,263 | 21,281 | P859 - P840 |
| Common equity Tier 1 capital | 347,827 | 333,714 | 322,181 | 321,002 | 310,226 | 301,488 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 347,827 | 333,714 | 322,181 | 321,002 | 310,226 | 301,488 | RCOA8274 |
| Tier 2 capital | NA | 32,103 | 31,333 | 32,423 | 33,691 | 32,025 | |
| Allowance includable in Tier 2 capital | NA | 32,103 | 31,333 | 32,423 | 33,691 | 32,025 | |
| Total capital | NA | 365,817 | 353,514 | 353,425 | 343,917 | 333,513 | |
| Total risk-weighted assets | NA | 3,022,789 | 2,964,532 | 2,888,881 | 2,802,701 | 2,701,696 | |
| Average total assets for the leverage ratio | 3,343,736 | 3,279,277 | 3,206,124 | 3,124,963 | 3,047,992 | 2,978,240 | 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 | 10.40% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 11.04% | 11.04% | 12.10% | 10.18% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 10.87% | 10.87% | 11.92% | 10.05% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 11.11% | 11.11% | 12.23% | 10.27% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 11.07% | 11.07% | 12.27% | 10.18% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 11.16% | 11.16% | 12.34% | 10.12% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 11.02% | 11.02% | 12.16% | 9.95% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 11.23% | 11.23% | 12.37% | 9.90% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 10.94% | 10.94% | 12.04% | 9.74% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 11.00% | 11.00% | 12.13% | 9.42% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 10.56% | 10.56% | 11.66% | 9.13% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 10.34% | 10.34% | 11.43% | 9.25% | 12.78% | 12.79% | 13.93% | 10.03% |
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 Dakota National Bank (this bank) | CBLR | NA | NA | NA | 10.40% | |
| Northern Bank & Trust Company | $3.38B | Risk-based | 15.30% | 15.30% | 16.56% | 14.55% |
| Northrim Bank | $3.40B | Risk-based | 12.38% | 12.38% | 13.39% | 10.26% |
| First Carolina Bank | $3.41B | Risk-based | 12.88% | 12.88% | 13.72% | 11.36% |
| Banterra Bank | $3.36B | Risk-based | 9.85% | 9.85% | 10.73% | 9.41% |
| Lake Ridge Bank | $3.35B | Risk-based | 11.97% | 11.97% | 13.02% | 9.95% |
| Libertyville Bank & Trust Company, N.A. | $3.34B | Risk-based | 10.88% | 10.88% | 11.81% | 9.19% |
| Austin Bank, Texas N.A. | $3.33B | CBLR | NA | NA | NA | 15.12% |
| TruNorth Bank | $3.32B | Risk-based | 15.98% | 15.98% | 16.59% | 11.46% |
| Bankwell Bank | $3.47B | Risk-based | 11.67% | 11.67% | 12.70% | 10.39% |
| PCB Bank | $3.47B | Risk-based | 13.35% | 13.35% | 14.58% | 11.54% |
| Peer 25th percentile | 11.67% | 11.67% | 12.70% | 10.03% | ||
| Peer median | 12.38% | 12.38% | 13.39% | 10.87% | ||
| Peer 75th percentile | 13.35% | 13.35% | 14.58% | 11.52% | ||
| This bank's percentile | NA | NA | NA | 50 |
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/441256/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.