The First National Bank of Cokato: 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%.
Total equity capital rose 4.7% from Q1 2026 to Q2 2026, ending at $9.7M against $9.3M. It was the largest change among the key lines on this page. Within Minnesota, The First National Bank of Cokato is 96th of 161 on CET1 ratio, 13.34% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The First National Bank of Cokato sits 1.73 points lower, at 13.34% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.34% |
| Tier 1 risk-based capital ratio | 13.34% |
| Total risk-based capital ratio | 14.59% |
| Tier 1 leverage ratio | 8.54% |
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 | $11.5M |
| Tier 1 capital | $11.5M |
| Total risk-based capital | $12.6M |
| Total equity capital | $9.7M |
| Risk-weighted assets | $86.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.03% |
| Tangible equity to tangible assets | 7.03% |
| Equity capital to average assets | 7.21% |
| Internal capital growth rate | 16.12% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $88K |
| Common stock surplus | $212K |
| Retained earnings | $11.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.8M |
| 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 | 11.95% | 11.95% | 13.20% | 7.08% | $74.2M |
| Q4 2023 | 11.43% | 11.43% | 12.68% | 7.53% | $80.6M |
| Q1 2024 | 11.75% | 11.75% | 13.00% | 7.38% | $79.7M |
| Q2 2024 | 11.79% | 11.79% | 13.05% | 7.64% | $80.7M |
| Q3 2024 | 11.38% | 11.38% | 12.63% | 7.74% | $85.5M |
| Q4 2024 | 11.50% | 11.50% | 12.75% | 7.86% | $86.1M |
| Q1 2025 | 11.93% | 11.93% | 13.18% | 7.68% | $84.7M |
| Q2 2025 | 12.60% | 12.60% | 13.86% | 7.72% | $82.6M |
| Q3 2025 | 12.45% | 12.45% | 13.70% | 8.62% | $86.2M |
| Q4 2025 | 12.50% | 12.50% | 13.75% | 8.77% | $87.2M |
| Q1 2026 | 13.10% | 13.10% | 14.35% | 8.75% | $85.0M |
| Q2 2026 | 13.34% | 13.34% | 14.59% | 8.54% | $86.2M |
The First National Bank of Cokato 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 Cokato, 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 Cokato profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5115) · FFIEC NIC profile (RSSD 280558)