First National Bank Minnesota: 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: 8.5% higher than in Q1 2026, at -$3.9M. First National Bank Minnesota ranks 98th of 161 Minnesota banks on CET1 ratio, in the lower half at 13.18% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. First National Bank Minnesota sits 1.89 points lower, at 13.18% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.18% |
| Tier 1 risk-based capital ratio | 13.18% |
| Total risk-based capital ratio | 14.43% |
| Tier 1 leverage ratio | 9.81% |
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 | $42.7M |
| Tier 1 capital | $42.7M |
| Total risk-based capital | $46.7M |
| Total equity capital | $43.3M |
| Risk-weighted assets | $323.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.89% |
| Tangible equity to tangible assets | 8.95% |
| Equity capital to average assets | 9.86% |
| Internal capital growth rate | -5.38% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $713K |
| Common stock surplus | $28.8M |
| Retained earnings | $17.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.9M |
| 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 | 10.94% | 10.94% | 12.19% | 8.27% | $340.5M |
| Q4 2023 | 11.01% | 11.01% | 12.26% | 8.48% | $337.3M |
| Q1 2024 | 11.35% | 11.35% | 12.60% | 8.60% | $335.5M |
| Q2 2024 | 11.04% | 11.04% | 12.29% | 8.35% | $338.6M |
| Q3 2024 | 10.96% | 10.96% | 12.21% | 8.23% | $338.6M |
| Q4 2024 | 11.38% | 11.38% | 12.63% | 8.66% | $341.5M |
| Q1 2025 | 11.64% | 11.64% | 12.90% | 8.79% | $332.1M |
| Q2 2025 | 11.98% | 11.98% | 13.24% | 8.93% | $326.8M |
| Q3 2025 | 12.51% | 12.51% | 13.76% | 9.31% | $325.5M |
| Q4 2025 | 12.39% | 12.39% | 13.65% | 9.37% | $336.5M |
| Q1 2026 | 13.01% | 13.01% | 14.26% | 9.85% | $332.4M |
| Q2 2026 | 13.18% | 13.18% | 14.43% | 9.81% | $323.6M |
First National Bank Minnesota regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank Minnesota, 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 National Bank Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5247) · FFIEC NIC profile (RSSD 197759)