The First State Bank of Rosemount: 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: 12.4% higher than in Q1 2026, at $1.9M. On CET1 ratio, The First State Bank of Rosemount is 1st from the bottom among 161 Minnesota banks, 9.66% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The First State Bank of Rosemount sits 5.42 points lower, at 9.66% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 9.66% |
| Tier 1 risk-based capital ratio | 9.66% |
| Total risk-based capital ratio | 10.89% |
| Tier 1 leverage ratio | 6.28% |
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 | $9.6M |
| Tier 1 capital | $9.6M |
| Total risk-based capital | $10.8M |
| Total equity capital | $6.9M |
| Risk-weighted assets | $98.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 4.71% |
| Tangible equity to tangible assets | 4.71% |
| Equity capital to average assets | 4.52% |
| Internal capital growth rate | 12.77% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $7.6M |
| Retained earnings | $1.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.7M |
| 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 | 12.63% | 12.63% | 13.50% | 8.36% | $71.5M |
| Q4 2023 | 11.97% | 11.97% | 12.83% | 8.33% | $76.3M |
| Q1 2024 | 11.15% | 11.15% | 12.00% | 7.84% | $81.8M |
| Q2 2024 | 10.36% | 10.36% | 11.21% | 7.71% | $89.4M |
| Q3 2024 | 9.82% | 9.82% | 10.68% | 7.05% | $93.0M |
| Q4 2024 | 9.64% | 9.64% | 10.46% | 7.00% | $96.1M |
| Q1 2025 | 9.18% | 9.18% | 10.00% | 6.84% | $101.3M |
| Q2 2025 | 9.32% | 9.32% | 10.20% | 6.59% | $101.6M |
| Q3 2025 | 8.91% | 8.91% | 9.80% | 6.37% | $106.5M |
| Q4 2025 | 8.78% | 8.78% | 9.86% | 6.11% | $105.9M |
| Q1 2026 | 9.03% | 9.03% | 10.13% | 6.09% | $103.6M |
| Q2 2026 | 9.66% | 9.66% | 10.89% | 6.28% | $98.9M |
The First State Bank of Rosemount 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 Rosemount, 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 Rosemount profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9769) · FFIEC NIC profile (RSSD 760957)