Granite 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 standout move of Q2 2026 was in Retained earnings: 15.9% higher than in Q1 2026, at $7.6M. On CET1 ratio, Granite Bank is 4th from the bottom among 162 Minnesota banks, 9.91% (Q2 2026). Granite Bank reported 9.91% on CET1 ratio for Q2 2026, 5.17 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 9.91% |
| Tier 1 risk-based capital ratio | 9.91% |
| Total risk-based capital ratio | 10.62% |
| Tier 1 leverage ratio | 8.53% |
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 | $29.4M |
| Tier 1 capital | $29.4M |
| Total risk-based capital | $31.6M |
| Total equity capital | $31.3M |
| Risk-weighted assets | $297.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.86% |
| Tangible equity to tangible assets | 8.26% |
| Equity capital to average assets | 9.01% |
| Internal capital growth rate | 13.84% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $750K |
| Common stock surplus | $23.4M |
| Retained earnings | $7.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$474K |
| 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 | 10.08% | 10.08% | 10.80% | 8.66% | $231.4M |
| Q4 2023 | 10.11% | 10.11% | 10.80% | 8.54% | $239.3M |
| Q1 2024 | 10.02% | 10.02% | 10.73% | 8.26% | $239.2M |
| Q2 2024 | 10.18% | 10.18% | 10.91% | 8.08% | $237.0M |
| Q3 2024 | 10.20% | 10.20% | 10.91% | 8.30% | $243.2M |
| Q4 2024 | 10.05% | 10.05% | 10.76% | 8.16% | $251.5M |
| Q1 2025 | 9.89% | 9.89% | 10.60% | 8.37% | $259.4M |
| Q2 2025 | 9.82% | 9.82% | 10.51% | 8.50% | $274.9M |
| Q3 2025 | 10.27% | 10.27% | 10.98% | 8.03% | $267.4M |
| Q4 2025 | 9.85% | 9.85% | 10.53% | 8.20% | $282.0M |
| Q1 2026 | 9.81% | 9.81% | 10.52% | 8.10% | $288.4M |
| Q2 2026 | 9.91% | 9.91% | 10.62% | 8.53% | $297.1M |
Granite Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Granite 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 Granite Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5116) · FFIEC NIC profile (RSSD 311256)