The First State Bank of Red Wing: 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 Total equity capital: 11.7% higher than in Q1 2026, at $3.1M. Within Minnesota, The First State Bank of Red Wing is 24th of 161 on CET1 ratio, 21.81% as of Q2 2026, above the middle of the field. The First State Bank of Red Wing reported 21.81% on CET1 ratio for Q2 2026, 2.24 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 | 21.81% |
| Tier 1 risk-based capital ratio | 21.81% |
| Total risk-based capital ratio | 22.60% |
| Tier 1 leverage ratio | 8.96% |
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 | $8.1M |
| Tier 1 capital | $8.1M |
| Total risk-based capital | $8.4M |
| Total equity capital | $3.1M |
| Risk-weighted assets | $37.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 3.58% |
| Tangible equity to tangible assets | 3.08% |
| Equity capital to average assets | 3.41% |
| Internal capital growth rate | 0.72% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $4.2M |
| Retained earnings | $4.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.4M |
| 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 | 21.32% | 21.32% | 22.13% | 10.23% | $37.8M |
| Q4 2023 | 20.12% | 20.12% | 20.88% | 10.21% | $39.9M |
| Q1 2024 | 19.57% | 19.57% | 20.33% | 9.60% | $40.1M |
| Q2 2024 | 20.17% | 20.17% | 20.95% | 9.64% | $38.7M |
| Q3 2024 | 20.42% | 20.42% | 21.20% | 9.04% | $38.7M |
| Q4 2024 | 21.03% | 21.03% | 21.84% | 9.00% | $37.8M |
| Q1 2025 | 20.80% | 20.80% | 21.60% | 9.08% | $37.9M |
| Q2 2025 | 20.21% | 20.21% | 20.99% | 8.87% | $39.2M |
| Q3 2025 | 20.24% | 20.24% | 21.00% | 8.98% | $39.7M |
| Q4 2025 | 20.60% | 20.60% | 21.35% | 9.12% | $39.3M |
| Q1 2026 | 21.14% | 21.14% | 21.90% | 9.10% | $38.2M |
| Q2 2026 | 21.81% | 21.81% | 22.60% | 8.96% | $37.1M |
The First State Bank of Red Wing regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The First State Bank of Red Wing, 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 State Bank of Red Wing profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8191) · FFIEC NIC profile (RSSD 818559)