Freeport State 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%.
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 largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 5.0% to $4.2M. Freeport State Bank ranks 69th of 162 Minnesota banks on CET1 ratio, in the upper half at 15.00% (Q2 2026). At 15.00%, Freeport State Bank's CET1 ratio is close to the 15.08% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.00% |
| Tier 1 risk-based capital ratio | 15.00% |
| Total risk-based capital ratio | 15.83% |
| Tier 1 leverage ratio | 10.69% |
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 | $17.7M |
| Tier 1 capital | $17.7M |
| Total risk-based capital | $18.7M |
| Total equity capital | $16.9M |
| Risk-weighted assets | $118.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.19% |
| Tangible equity to tangible assets | 10.19% |
| Equity capital to average assets | 10.18% |
| Internal capital growth rate | 4.77% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $13.5M |
| Retained earnings | $4.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$840K |
| 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 | 14.01% | 14.01% | 14.82% | 9.92% | $105.2M |
| Q4 2023 | 14.43% | 14.43% | 15.26% | 9.55% | $103.1M |
| Q1 2024 | 14.12% | 14.12% | 14.95% | 9.45% | $104.9M |
| Q2 2024 | 13.99% | 13.99% | 14.79% | 9.62% | $108.4M |
| Q3 2024 | 14.13% | 14.13% | 14.92% | 9.69% | $110.3M |
| Q4 2024 | 14.45% | 14.45% | 15.25% | 9.36% | $109.2M |
| Q1 2025 | 14.40% | 14.40% | 15.20% | 9.37% | $110.1M |
| Q2 2025 | 14.49% | 14.49% | 15.30% | 9.57% | $112.5M |
| Q3 2025 | 14.71% | 14.71% | 15.52% | 9.85% | $114.0M |
| Q4 2025 | 15.07% | 15.07% | 15.90% | 9.99% | $113.2M |
| Q1 2026 | 15.40% | 15.40% | 16.24% | 10.38% | $113.6M |
| Q2 2026 | 15.00% | 15.00% | 15.83% | 10.69% | $118.0M |
Freeport State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Freeport State 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 Freeport State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8210) · FFIEC NIC profile (RSSD 72454)