The First National Bank at Saint James: 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%.
Compared with Q1 2026, Risk-weighted assets fell 4.4% in Q2 2026 to $20.9M, the biggest move on this page. Within Minnesota, The First National Bank at Saint James is 61st of 161 on CET1 ratio, 15.51% as of Q2 2026, above the middle of the field. The First National Bank at Saint James reported 15.51% on CET1 ratio for Q2 2026, 4.05 points below the 19.57% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.51% |
| Tier 1 risk-based capital ratio | 15.51% |
| Total risk-based capital ratio | 16.77% |
| Tier 1 leverage ratio | 8.68% |
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 | $3.2M |
| Tier 1 capital | $3.2M |
| Total risk-based capital | $3.5M |
| Total equity capital | $3.2M |
| Risk-weighted assets | $20.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.42% |
| Tangible equity to tangible assets | 8.42% |
| Equity capital to average assets | 8.55% |
| Internal capital growth rate | 5.21% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $12K |
| Common stock surplus | $286K |
| Retained earnings | $2.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$49K |
| 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 | 12.41% | 12.41% | 13.66% | 7.62% | $22.9M |
| Q4 2023 | 12.67% | 12.67% | 13.92% | 7.99% | $23.1M |
| Q1 2024 | 13.12% | 13.12% | 14.38% | 8.06% | $22.6M |
| Q2 2024 | 13.45% | 13.45% | 14.70% | 8.32% | $22.4M |
| Q3 2024 | 12.61% | 12.61% | 13.86% | 8.49% | $24.1M |
| Q4 2024 | 12.79% | 12.79% | 14.04% | 8.17% | $23.5M |
| Q1 2025 | 13.26% | 13.26% | 14.51% | 8.23% | $23.1M |
| Q2 2025 | 13.63% | 13.63% | 14.89% | 8.39% | $22.7M |
| Q3 2025 | 13.62% | 13.62% | 14.87% | 8.39% | $23.0M |
| Q4 2025 | 13.90% | 13.90% | 15.15% | 8.58% | $22.5M |
| Q1 2026 | 14.65% | 14.65% | 15.90% | 8.65% | $21.8M |
| Q2 2026 | 15.51% | 15.51% | 16.77% | 8.68% | $20.9M |
The First National Bank at Saint James regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank at Saint James, 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 The First National Bank at Saint James profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14853) · FFIEC NIC profile (RSSD 794653)