Global Innovations 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: 52.3% higher than in Q1 2026, at $1.7M. Within Minnesota, Global Innovations Bank is 133rd of 161 on CET1 ratio, 11.57% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Global Innovations Bank sits 3.50 points lower, at 11.57% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.57% |
| Tier 1 risk-based capital ratio | 11.57% |
| Total risk-based capital ratio | 12.48% |
| Tier 1 leverage ratio | 8.47% |
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 | $9.7M |
| Tier 1 capital | $9.7M |
| Total risk-based capital | $10.5M |
| Total equity capital | $9.7M |
| Risk-weighted assets | $83.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.09% |
| Tangible equity to tangible assets | 8.09% |
| Equity capital to average assets | 8.47% |
| Internal capital growth rate | 26.73% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $7.8M |
| Retained earnings | $1.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3K |
| 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 | 34.44% | 34.44% | 35.69% | 14.28% | $23.0M |
| Q4 2023 | 28.23% | 28.23% | 29.45% | 14.49% | $27.7M |
| Q1 2024 | 24.56% | 24.56% | 25.64% | 13.88% | $32.7M |
| Q2 2024 | 22.54% | 22.54% | 23.55% | 12.15% | $36.5M |
| Q3 2024 | 21.30% | 21.30% | 22.28% | 11.92% | $39.8M |
| Q4 2024 | 19.45% | 19.45% | 20.43% | 11.37% | $42.1M |
| Q1 2025 | 15.93% | 15.93% | 16.82% | 9.41% | $51.2M |
| Q2 2025 | 14.92% | 14.92% | 15.84% | 8.97% | $55.3M |
| Q3 2025 | 14.74% | 14.74% | 15.63% | 9.15% | $57.6M |
| Q4 2025 | 13.38% | 13.38% | 14.21% | 8.61% | $64.6M |
| Q1 2026 | 11.74% | 11.74% | 12.58% | 8.44% | $75.3M |
| Q2 2026 | 11.57% | 11.57% | 12.48% | 8.47% | $83.9M |
Global Innovations Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Global Innovations 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 Global Innovations Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5175) · FFIEC NIC profile (RSSD 1015458)