The First National Bank of Osakis: 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, Retained earnings fell 4.8% in Q2 2026 to $1.8M, the biggest move on this page. The First National Bank of Osakis has the 15th lowest CET1 ratio of the 161 banks headquartered in Minnesota, at 10.77% as of Q2 2026. The median for banks in the < $100M asset tier is 19.57% on CET1 ratio. The First National Bank of Osakis sits 8.79 points lower, at 10.77% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.77% |
| Tier 1 risk-based capital ratio | 10.77% |
| Total risk-based capital ratio | 11.74% |
| Tier 1 leverage ratio | 8.67% |
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 | $8.4M |
| Tier 1 capital | $8.4M |
| Total risk-based capital | $9.1M |
| Total equity capital | $9.0M |
| Risk-weighted assets | $77.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.25% |
| Tangible equity to tangible assets | 7.88% |
| Equity capital to average assets | 9.23% |
| Internal capital growth rate | -4.09% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $7.5M |
| Retained earnings | $1.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$786K |
| 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 | 9.97% | 9.97% | 10.87% | 8.25% | $75.4M |
| Q4 2023 | 10.80% | 10.80% | 11.82% | 8.13% | $69.5M |
| Q1 2024 | 11.06% | 11.06% | 12.10% | 8.36% | $68.4M |
| Q2 2024 | 11.17% | 11.17% | 12.21% | 8.40% | $68.6M |
| Q3 2024 | 11.54% | 11.54% | 12.57% | 8.64% | $68.7M |
| Q4 2024 | 11.43% | 11.43% | 12.46% | 8.63% | $69.0M |
| Q1 2025 | 11.50% | 11.50% | 12.53% | 8.64% | $69.3M |
| Q2 2025 | 10.88% | 10.88% | 11.85% | 8.61% | $73.6M |
| Q3 2025 | 11.39% | 11.39% | 12.38% | 8.68% | $72.0M |
| Q4 2025 | 11.57% | 11.57% | 12.57% | 8.79% | $71.8M |
| Q1 2026 | 11.04% | 11.04% | 11.98% | 8.96% | $76.5M |
| Q2 2026 | 10.77% | 10.77% | 11.74% | 8.67% | $77.6M |
The First National Bank of Osakis 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 Osakis, 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 Osakis profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5221) · FFIEC NIC profile (RSSD 726458)