First Southeast 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%.
Risk-weighted assets rose 3.6% from Q1 2026 to Q2 2026, ending at $134.5M against $129.9M. It was the largest change among the key lines on this page. On CET1 ratio, First Southeast Bank is 2nd from the bottom among 162 Minnesota banks, 9.73% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. First Southeast Bank sits 5.35 points lower, at 9.73% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 9.73% |
| Tier 1 risk-based capital ratio | 9.73% |
| Total risk-based capital ratio | 10.70% |
| Tier 1 leverage ratio | 8.42% |
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 | $13.1M |
| Tier 1 capital | $13.1M |
| Total risk-based capital | $14.4M |
| Total equity capital | $12.0M |
| Risk-weighted assets | $134.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.57% |
| Tangible equity to tangible assets | 7.57% |
| Equity capital to average assets | 7.71% |
| Internal capital growth rate | -0.80% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $8.9M |
| Retained earnings | $4.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | 9.88% | 9.88% | 10.76% | 7.92% | $97.5M |
| Q4 2023 | 10.16% | 10.16% | 11.04% | 7.95% | $97.4M |
| Q1 2024 | 9.24% | 9.24% | 10.12% | 7.39% | $101.6M |
| Q2 2024 | 9.26% | 9.26% | 10.16% | 7.36% | $101.7M |
| Q3 2024 | 9.13% | 9.13% | 10.02% | 7.38% | $105.2M |
| Q4 2024 | 8.64% | 8.64% | 9.53% | 7.31% | $113.3M |
| Q1 2025 | 9.97% | 9.97% | 10.86% | 8.38% | $115.6M |
| Q2 2025 | 9.90% | 9.90% | 10.79% | 8.38% | $121.1M |
| Q3 2025 | 9.90% | 9.90% | 10.84% | 8.38% | $125.3M |
| Q4 2025 | 9.62% | 9.62% | 10.54% | 8.31% | $131.0M |
| Q1 2026 | 10.10% | 10.10% | 11.05% | 8.57% | $129.9M |
| Q2 2026 | 9.73% | 9.73% | 10.70% | 8.42% | $134.5M |
First Southeast Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Southeast 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 Southeast Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10576) · FFIEC NIC profile (RSSD 22552)