First Resource Bank: 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Common stock surplus: 26.8% higher than in Q1 2026, at $86.5M. First Resource Bank ranks 132nd of 162 Minnesota banks on CET1 ratio, in the lower half at 11.62% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. First Resource Bank sits 1.88 points lower, at 11.62% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.62% |
| Tier 1 risk-based capital ratio | 11.62% |
| Total risk-based capital ratio | 12.77% |
| Tier 1 leverage ratio | 8.34% |
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 | $84.8M |
| Tier 1 capital | $84.8M |
| Total risk-based capital | $93.3M |
| Total equity capital | $100.5M |
| Risk-weighted assets | $730.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.26% |
| Tangible equity to tangible assets | 7.98% |
| Equity capital to average assets | 9.72% |
| Internal capital growth rate | 9.64% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $60K |
| Common stock surplus | $86.5M |
| Retained earnings | $15.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.4M |
| 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 | 10.91% | 10.91% | 12.14% | 8.75% | $413.8M |
| Q4 2023 | 11.14% | 11.14% | 12.39% | 8.49% | $410.9M |
| Q1 2024 | 11.06% | 11.06% | 12.31% | 8.53% | $420.7M |
| Q2 2024 | 10.39% | 10.39% | 11.64% | 8.55% | $456.6M |
| Q3 2024 | 10.91% | 10.91% | 12.16% | 8.29% | $471.4M |
| Q4 2024 | 11.01% | 11.01% | 12.26% | 8.42% | $486.1M |
| Q1 2025 | 11.13% | 11.13% | 12.38% | 8.14% | $490.1M |
| Q2 2025 | 10.51% | 10.51% | 11.77% | 8.13% | $537.4M |
| Q3 2025 | 10.38% | 10.38% | 11.62% | 8.09% | $565.3M |
| Q4 2025 | 10.16% | 10.16% | 11.42% | 8.14% | $592.6M |
| Q1 2026 | 12.15% | 12.15% | 13.41% | 9.29% | $620.8M |
| Q2 2026 | 11.62% | 11.62% | 12.77% | 8.34% | $730.2M |
First Resource Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Resource Bank, 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 Resource Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58039) · FFIEC NIC profile (RSSD 3314043)