Grand Marais 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%.
Compared with Q1 2026, Retained earnings rose 7.2% in Q2 2026 to $4.5M, the biggest move on this page. Grand Marais State Bank ranks 94th of 161 Minnesota banks on CET1 ratio, in the lower half at 13.41% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Grand Marais State Bank sits 1.66 points lower, at 13.41% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.41% |
| Tier 1 risk-based capital ratio | 13.41% |
| Total risk-based capital ratio | 14.43% |
| Tier 1 leverage ratio | 8.40% |
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 | $17.0M |
| Tier 1 capital | $17.0M |
| Total risk-based capital | $18.3M |
| Total equity capital | $16.7M |
| Risk-weighted assets | $126.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.08% |
| Tangible equity to tangible assets | 8.08% |
| Equity capital to average assets | 8.27% |
| Internal capital growth rate | 7.36% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $12.3M |
| Retained earnings | $4.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$254K |
| 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 | 13.97% | 13.97% | 14.98% | 7.51% | $69.1M |
| Q4 2023 | 14.67% | 14.67% | 15.75% | 7.63% | $67.0M |
| Q1 2024 | 15.60% | 15.60% | 16.78% | 8.07% | $61.4M |
| Q2 2024 | 14.74% | 14.74% | 15.84% | 8.20% | $65.5M |
| Q3 2024 | 14.96% | 14.96% | 16.09% | 8.15% | $64.7M |
| Q4 2024 | 14.42% | 14.42% | 15.49% | 8.08% | $67.7M |
| Q1 2025 | 14.26% | 14.26% | 15.32% | 8.29% | $68.7M |
| Q2 2025 | 13.93% | 13.93% | 15.02% | 8.18% | $70.9M |
| Q3 2025 | 14.52% | 14.52% | 15.67% | 8.20% | $69.3M |
| Q4 2025 | 13.61% | 13.61% | 14.69% | 8.09% | $73.4M |
| Q1 2026 | 12.86% | 12.86% | 13.87% | 8.13% | $129.8M |
| Q2 2026 | 13.41% | 13.41% | 14.43% | 8.40% | $126.7M |
Grand Marais State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Grand Marais 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 Grand Marais State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8842) · FFIEC NIC profile (RSSD 945950)