Glenwood State Bank (Incorporated): 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: 24.1% lower than in Q1 2026, at $16.3M. Glenwood State Bank (Incorporated) ranks 118th of 161 Minnesota banks on CET1 ratio, in the lower half at 12.14% (Q2 2026). Glenwood State Bank (Incorporated) reported 12.14% on CET1 ratio for Q2 2026, 2.93 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.14% |
| Tier 1 risk-based capital ratio | 12.14% |
| Total risk-based capital ratio | 13.39% |
| Tier 1 leverage ratio | 10.28% |
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 | $56.3M |
| Tier 1 capital | $56.3M |
| Total risk-based capital | $62.1M |
| Total equity capital | $56.2M |
| Risk-weighted assets | $464.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.30% |
| Tangible equity to tangible assets | 10.30% |
| Equity capital to average assets | 10.25% |
| Internal capital growth rate | -1.33% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $39.9M |
| Retained earnings | $16.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$167K |
| 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 | 9.20% | 9.20% | 10.32% | 8.57% | $480.6M |
| Q4 2023 | 9.16% | 9.16% | 10.28% | 8.49% | $495.6M |
| Q1 2024 | 9.73% | 9.73% | 10.91% | 8.71% | $477.7M |
| Q2 2024 | 10.23% | 10.23% | 11.45% | 8.80% | $459.6M |
| Q3 2024 | 9.65% | 9.65% | 10.65% | 8.90% | $495.4M |
| Q4 2024 | 10.19% | 10.19% | 11.38% | 8.98% | $483.7M |
| Q1 2025 | 10.35% | 10.35% | 11.54% | 9.24% | $488.1M |
| Q2 2025 | 10.58% | 10.58% | 11.77% | 9.50% | $485.2M |
| Q3 2025 | 10.93% | 10.93% | 12.14% | 9.64% | $480.5M |
| Q4 2025 | 10.93% | 10.93% | 12.11% | 9.75% | $500.4M |
| Q1 2026 | 12.12% | 12.12% | 13.37% | 10.34% | $466.5M |
| Q2 2026 | 12.14% | 12.14% | 13.39% | 10.28% | $464.0M |
Glenwood State Bank (Incorporated) regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Glenwood State Bank (Incorporated), 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 Glenwood State Bank (Incorporated) profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8853) · FFIEC NIC profile (RSSD 975854)