First Independent 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 16.1% higher than in Q1 2026, at -$3.5M. Within Minnesota, First Independent Bank is 115th of 161 on CET1 ratio, 12.26% as of Q2 2026, below the middle of the field. First Independent Bank reported 12.26% on CET1 ratio for Q2 2026, 2.81 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.26% |
| Tier 1 risk-based capital ratio | 12.26% |
| Total risk-based capital ratio | 13.49% |
| Tier 1 leverage ratio | 9.87% |
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 | $62.2M |
| Tier 1 capital | $62.2M |
| Total risk-based capital | $68.5M |
| Total equity capital | $61.2M |
| Risk-weighted assets | $507.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.68% |
| Tangible equity to tangible assets | 9.32% |
| Equity capital to average assets | 9.67% |
| Internal capital growth rate | 10.57% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $30K |
| Common stock surplus | $40.5M |
| Retained earnings | $24.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.5M |
| 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 | 12.72% | 12.72% | 13.97% | 9.06% | $339.8M |
| Q4 2023 | 12.46% | 12.46% | 13.71% | 8.85% | $351.0M |
| Q1 2024 | 11.34% | 11.34% | 12.59% | 8.44% | $377.9M |
| Q2 2024 | 10.60% | 10.60% | 11.58% | 8.58% | $415.1M |
| Q3 2024 | 10.52% | 10.52% | 11.59% | 8.37% | $410.4M |
| Q4 2024 | 10.32% | 10.32% | 11.35% | 8.41% | $427.5M |
| Q1 2025 | 10.59% | 10.59% | 11.65% | 8.59% | $428.5M |
| Q2 2025 | 11.56% | 11.56% | 12.73% | 9.05% | $413.7M |
| Q3 2025 | 9.99% | 9.99% | 11.02% | 8.03% | $468.6M |
| Q4 2025 | 10.31% | 10.31% | 11.34% | 8.03% | $467.0M |
| Q1 2026 | 12.31% | 12.31% | 13.35% | 9.89% | $491.3M |
| Q2 2026 | 12.26% | 12.26% | 13.49% | 9.87% | $507.6M |
First Independent Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Independent 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 Independent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1900) · FFIEC NIC profile (RSSD 761851)