First State Bank and Trust: 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%.
The standout move of Q2 2026 was in Retained earnings: 37.1% lower than in Q1 2026, at $6.2M. Within Minnesota, First State Bank and Trust is 88th of 161 on CET1 ratio, 13.56% as of Q2 2026, below the middle of the field. First State Bank and Trust reported 13.56% on CET1 ratio for Q2 2026, 1.51 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.56% |
| Tier 1 risk-based capital ratio | 13.56% |
| Total risk-based capital ratio | 14.81% |
| Tier 1 leverage ratio | 8.91% |
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 | $42.3M |
| Tier 1 capital | $42.3M |
| Total risk-based capital | $46.2M |
| Total equity capital | $40.2M |
| Risk-weighted assets | $312.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.06% |
| Tangible equity to tangible assets | 8.06% |
| Equity capital to average assets | 8.47% |
| Internal capital growth rate | 13.77% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.9M |
| Common stock surplus | $31.2M |
| Retained earnings | $6.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.1M |
| 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 | 14.71% | 14.71% | 15.96% | 8.89% | $230.3M |
| Q4 2023 | 13.98% | 13.98% | 15.23% | 8.81% | $248.9M |
| Q1 2024 | 13.27% | 13.27% | 14.52% | 8.55% | $254.1M |
| Q2 2024 | 13.47% | 13.47% | 14.72% | 8.93% | $259.2M |
| Q3 2024 | 13.87% | 13.87% | 15.12% | 9.03% | $257.4M |
| Q4 2024 | 13.91% | 13.91% | 15.16% | 9.19% | $265.7M |
| Q1 2025 | 13.55% | 13.55% | 14.80% | 9.15% | $277.5M |
| Q2 2025 | 13.40% | 13.40% | 14.65% | 9.19% | $285.8M |
| Q3 2025 | 14.17% | 14.17% | 15.42% | 9.41% | $279.6M |
| Q4 2025 | 14.49% | 14.49% | 15.74% | 8.98% | $278.7M |
| Q1 2026 | 14.34% | 14.34% | 15.60% | 8.99% | $285.7M |
| Q2 2026 | 13.56% | 13.56% | 14.81% | 8.91% | $312.0M |
First State Bank and Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank and Trust, 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 State Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10159) · FFIEC NIC profile (RSSD 144856)