Frandsen 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%.
Retained earnings rose 6.7% from Q1 2026 to Q2 2026, ending at $144.9M against $135.9M. It was the largest change among the key lines on this page. Frandsen Bank & Trust ranks 83rd of 161 Minnesota banks on CET1 ratio, in the lower half at 13.89% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Frandsen Bank & Trust sits 0.41 points higher, at 13.89% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.89% |
| Tier 1 risk-based capital ratio | 13.89% |
| Total risk-based capital ratio | 15.14% |
| Tier 1 leverage ratio | 10.02% |
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 | $359.6M |
| Tier 1 capital | $359.6M |
| Total risk-based capital | $392.0M |
| Total equity capital | $431.5M |
| Risk-weighted assets | $2.59B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.80% |
| Tangible equity to tangible assets | 8.44% |
| Equity capital to average assets | 11.59% |
| Internal capital growth rate | 8.49% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $290K |
| Common stock surplus | $348.5M |
| Retained earnings | $144.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$62.3M |
| 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 | 9.63% | 9.63% | 10.70% | 7.46% | $2.54B |
| Q4 2023 | 9.80% | 9.80% | 10.90% | 7.36% | $2.55B |
| Q1 2024 | 10.91% | 10.91% | 12.07% | 7.99% | $2.53B |
| Q2 2024 | 10.72% | 10.72% | 11.91% | 8.23% | $2.58B |
| Q3 2024 | 11.40% | 11.40% | 12.65% | 8.48% | $2.62B |
| Q4 2024 | 11.80% | 11.80% | 13.04% | 8.77% | $2.60B |
| Q1 2025 | 12.08% | 12.08% | 13.33% | 8.97% | $2.60B |
| Q2 2025 | 12.36% | 12.36% | 13.61% | 9.15% | $2.60B |
| Q3 2025 | 12.66% | 12.66% | 13.91% | 9.25% | $2.59B |
| Q4 2025 | 13.24% | 13.24% | 14.49% | 9.49% | $2.58B |
| Q1 2026 | 13.61% | 13.61% | 14.87% | 9.75% | $2.57B |
| Q2 2026 | 13.89% | 13.89% | 15.14% | 10.02% | $2.59B |
Frandsen Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Frandsen 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 Frandsen Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1399) · FFIEC NIC profile (RSSD 751656)