The First National Bank of Proctor: 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, Equity capital to total assets rose 0.31 percentage points in Q2 2026 to 8.41%, the biggest move on this page. On CET1 ratio, The First National Bank of Proctor ranks 13th highest among the 161 banks headquartered in Minnesota, at 25.38% (Q2 2026). The First National Bank of Proctor reported 25.38% on CET1 ratio for Q2 2026, 5.82 points above the 19.57% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 25.38% |
| Tier 1 risk-based capital ratio | 25.38% |
| Total risk-based capital ratio | 26.18% |
| Tier 1 leverage ratio | 8.47% |
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 | $3.0M |
| Tier 1 capital | $3.0M |
| Total risk-based capital | $3.1M |
| Total equity capital | $2.9M |
| Risk-weighted assets | $11.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.41% |
| Tangible equity to tangible assets | 8.41% |
| Equity capital to average assets | 8.12% |
| Internal capital growth rate | 6.73% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $56K |
| Common stock surplus | $100K |
| Retained earnings | $2.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$123K |
| 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 | 22.86% | 22.86% | 23.67% | 8.89% | $11.5M |
| Q4 2023 | 23.33% | 23.33% | 24.16% | 8.69% | $11.4M |
| Q1 2024 | 22.63% | 22.63% | 23.43% | 8.68% | $11.8M |
| Q2 2024 | 22.81% | 22.81% | 23.61% | 8.72% | $11.7M |
| Q3 2024 | 21.75% | 21.75% | 22.51% | 8.54% | $12.4M |
| Q4 2024 | 22.64% | 22.64% | 23.41% | 8.58% | $12.1M |
| Q1 2025 | 22.55% | 22.55% | 23.31% | 8.48% | $12.3M |
| Q2 2025 | 24.04% | 24.04% | 24.85% | 8.24% | $11.7M |
| Q3 2025 | 24.66% | 24.66% | 25.47% | 8.24% | $11.7M |
| Q4 2025 | 24.91% | 24.91% | 25.73% | 8.28% | $11.6M |
| Q1 2026 | 24.95% | 24.95% | 25.75% | 8.49% | $11.8M |
| Q2 2026 | 25.38% | 25.38% | 26.18% | 8.47% | $11.8M |
The First National Bank of Proctor 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 Proctor, 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 Proctor profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5232) · FFIEC NIC profile (RSSD 731957)