Foresight Bank: 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: 38.7% higher than in Q1 2026, at $2.8M. Foresight Bank ranks 89th of 162 Minnesota banks on CET1 ratio, in the lower half at 13.49% (Q3 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Foresight Bank sits 1.60 points lower, at 13.49% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.49% |
| Tier 1 risk-based capital ratio | 13.49% |
| Total risk-based capital ratio | 14.65% |
| Tier 1 leverage ratio | 10.20% |
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 | $43.8M |
| Tier 1 capital | $43.8M |
| Total risk-based capital | $47.5M |
| Total equity capital | $41.2M |
| Risk-weighted assets | $324.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.49% |
| Tangible equity to tangible assets | 9.49% |
| Equity capital to average assets | 9.60% |
| Internal capital growth rate | 7.83% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $120K |
| Common stock surplus | $40.9M |
| Retained earnings | $2.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.6M |
| 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 | 10.67% | 10.67% | 11.39% | 9.75% | $310.0M |
| Q4 2023 | 12.23% | 12.23% | 13.03% | 9.68% | $275.2M |
| Q1 2024 | 13.66% | 13.66% | 14.55% | 9.45% | $248.6M |
| Q2 2024 | 11.82% | 11.82% | 12.61% | 9.21% | $289.9M |
| Q3 2024 | 13.80% | 13.80% | 14.64% | 10.45% | $286.9M |
| Q4 2024 | 13.48% | 13.48% | 14.30% | 10.25% | $300.1M |
| Q1 2025 | 13.71% | 13.71% | 14.56% | 10.02% | $295.1M |
| Q2 2025 | 13.42% | 13.42% | 14.32% | 10.15% | $308.3M |
| Q3 2025 | 13.73% | 13.73% | 14.77% | 10.07% | $305.3M |
| Q4 2025 | 13.54% | 13.54% | 14.66% | 10.12% | $312.6M |
| Q1 2026 | 12.97% | 12.97% | 14.08% | 10.21% | $331.3M |
| Q2 2026 | 13.49% | 13.49% | 14.65% | 10.20% | $324.4M |
Foresight Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Foresight Bank, 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 Foresight Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5229) · FFIEC NIC profile (RSSD 755458)