First State Bank of Le Center: 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: 7.7% higher than in Q1 2026, at $5.3M. Within Minnesota, First State Bank of Le Center is 85th of 161 on CET1 ratio, 13.68% as of Q2 2026, below the middle of the field. First State Bank of Le Center reported 13.68% on CET1 ratio for Q2 2026, 1.39 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 | 13.68% |
| Tier 1 risk-based capital ratio | 13.68% |
| Total risk-based capital ratio | 14.74% |
| Tier 1 leverage ratio | 11.15% |
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 | $12.4M |
| Tier 1 capital | $12.4M |
| Total risk-based capital | $13.3M |
| Total equity capital | $12.1M |
| Risk-weighted assets | $90.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.94% |
| Tangible equity to tangible assets | 10.94% |
| Equity capital to average assets | 10.90% |
| Internal capital growth rate | 12.93% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $7.0M |
| Retained earnings | $5.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$275K |
| 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 | 16.21% | 16.21% | 17.33% | 10.85% | $68.4M |
| Q4 2023 | 15.41% | 15.41% | 16.48% | 10.20% | $73.1M |
| Q1 2024 | 15.08% | 15.08% | 16.10% | 11.09% | $76.9M |
| Q2 2024 | 14.42% | 14.42% | 15.41% | 10.85% | $78.9M |
| Q3 2024 | 14.41% | 14.41% | 15.38% | 11.22% | $80.8M |
| Q4 2024 | 15.41% | 15.41% | 16.52% | 10.95% | $76.7M |
| Q1 2025 | 13.16% | 13.16% | 14.16% | 10.61% | $87.0M |
| Q2 2025 | 12.44% | 12.44% | 13.60% | 10.57% | $92.8M |
| Q3 2025 | 13.47% | 13.47% | 14.71% | 10.77% | $88.5M |
| Q4 2025 | 12.88% | 12.88% | 13.88% | 10.63% | $94.1M |
| Q1 2026 | 12.93% | 12.93% | 13.95% | 10.67% | $92.6M |
| Q2 2026 | 13.68% | 13.68% | 14.74% | 11.15% | $90.3M |
First State Bank of Le Center regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Le Center, 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 of Le Center profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9330) · FFIEC NIC profile (RSSD 986159)