First State Bank Southwest: 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 Common stock surplus: 32.7% higher than in Q1 2026, at $20.3M. Within Minnesota, First State Bank Southwest is 50th of 161 on CET1 ratio, 16.28% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. First State Bank Southwest sits 1.21 points higher, at 16.28% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.28% |
| Tier 1 risk-based capital ratio | 16.28% |
| Total risk-based capital ratio | 17.53% |
| Tier 1 leverage ratio | 9.69% |
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 | $40.8M |
| Tier 1 capital | $40.8M |
| Total risk-based capital | $43.9M |
| Total equity capital | $27.3M |
| Risk-weighted assets | $250.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.65% |
| Tangible equity to tangible assets | 6.65% |
| Equity capital to average assets | 6.48% |
| Internal capital growth rate | 12.85% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.7M |
| Common stock surplus | $20.3M |
| Retained earnings | $18.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$13.5M |
| 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 | 17.11% | 17.11% | 18.25% | 9.06% | $218.0M |
| Q4 2023 | 16.59% | 16.59% | 17.59% | 9.10% | $229.3M |
| Q1 2024 | 16.94% | 16.94% | 17.98% | 9.10% | $225.4M |
| Q2 2024 | 16.19% | 16.19% | 17.22% | 9.23% | $234.0M |
| Q3 2024 | 16.51% | 16.51% | 17.63% | 9.26% | $231.1M |
| Q4 2024 | 16.17% | 16.17% | 17.10% | 9.26% | $240.1M |
| Q1 2025 | 16.06% | 16.06% | 17.07% | 9.32% | $241.2M |
| Q2 2025 | 16.38% | 16.38% | 17.45% | 9.49% | $241.1M |
| Q3 2025 | 16.91% | 16.91% | 18.13% | 9.87% | $238.3M |
| Q4 2025 | 16.41% | 16.41% | 17.62% | 9.95% | $247.8M |
| Q1 2026 | 16.41% | 16.41% | 17.66% | 9.78% | $243.6M |
| Q2 2026 | 16.28% | 16.28% | 17.53% | 9.69% | $250.5M |
First State Bank Southwest regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank Southwest, 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 Southwest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9770) · FFIEC NIC profile (RSSD 823656)