First State Bank & 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The biggest quarter-over-quarter change on this page was a small one: Risk-weighted assets edged up 1.8% between Q1 2026 and Q2 2026, to $296.7M. On CET1 ratio, First State Bank & Trust ranks 2nd highest among the 25 banks headquartered in North Dakota, at 28.50% (Q2 2026). Against a median of 15.08% for banks in the $100M-1B asset tier, First State Bank & Trust reported 28.50% on CET1 ratio in Q2 2026, 13.42 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 28.50% |
| Tier 1 risk-based capital ratio | 28.50% |
| Total risk-based capital ratio | 29.63% |
| Tier 1 leverage ratio | 15.38% |
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 | $84.6M |
| Tier 1 capital | $84.6M |
| Total risk-based capital | $87.9M |
| Total equity capital | $75.1M |
| Risk-weighted assets | $296.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.85% |
| Tangible equity to tangible assets | 13.52% |
| Equity capital to average assets | 13.61% |
| Internal capital growth rate | 2.43% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $6.6M |
| Common stock surplus | $9.0M |
| Retained earnings | $71.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.5M |
| 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 | 28.58% | 28.58% | 29.77% | 14.34% | $261.1M |
| Q4 2023 | 27.13% | 27.13% | 28.26% | 14.18% | $276.5M |
| Q1 2024 | 28.64% | 28.64% | 29.80% | 14.36% | $266.7M |
| Q2 2024 | 28.52% | 28.52% | 29.67% | 14.40% | $267.5M |
| Q3 2024 | 28.28% | 28.28% | 29.41% | 14.32% | $273.7M |
| Q4 2024 | 28.53% | 28.53% | 29.64% | 14.20% | $275.2M |
| Q1 2025 | 28.88% | 28.88% | 30.01% | 14.42% | $277.8M |
| Q2 2025 | 28.21% | 28.21% | 29.34% | 14.33% | $283.2M |
| Q3 2025 | 28.40% | 28.40% | 29.56% | 14.82% | $285.1M |
| Q4 2025 | 27.68% | 27.68% | 28.82% | 15.19% | $296.2M |
| Q1 2026 | 28.86% | 28.86% | 29.99% | 15.54% | $291.5M |
| Q2 2026 | 28.50% | 28.50% | 29.63% | 15.38% | $296.7M |
First State Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank & 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14801) · FFIEC NIC profile (RSSD 248455)