The First National Bank of Bemidji: 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%.
Accumulated other comprehensive income climbed 15.8% in Q2 2026, from -$39.8M to -$33.5M. It was the largest change from Q1 2026 among the key lines here.
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 | 11.14% |
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 | $120.8M |
| Tier 1 capital | $120.8M |
| Total risk-based capital | — |
| Total equity capital | $87.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.07% |
| Tangible equity to tangible assets | 8.07% |
| Equity capital to average assets | 8.03% |
| Internal capital growth rate | 12.82% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.0M |
| Common stock surplus | $3.0M |
| Retained earnings | $114.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$33.5M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 10.46% | 2.58% | 2.58% |
| Q4 2023 | 10.42% | 5.74% | 5.74% |
| Q1 2024 | 11.01% | 5.79% | 5.79% |
| Q2 2024 | 11.07% | 5.92% | 5.92% |
| Q3 2024 | 11.04% | 7.49% | 7.49% |
| Q4 2024 | 11.53% | 6.98% | 6.98% |
| Q1 2025 | 11.26% | 7.08% | 7.08% |
| Q2 2025 | 11.31% | 6.64% | 6.64% |
| Q3 2025 | 10.97% | 7.55% | 7.55% |
| Q4 2025 | 11.04% | 8.15% | 8.15% |
| Q1 2026 | 11.19% | 7.59% | 7.59% |
| Q2 2026 | 11.14% | 8.07% | 8.07% |
The First National Bank of Bemidji regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Bemidji, 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 of Bemidji profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5093) · FFIEC NIC profile (RSSD 363657)