Great North 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%.
Retained earnings dropped 13.5% in Q2 2026, from -$1.7M to -$1.9M. It was the largest change from Q1 2026 among the key lines here. Great North Bank ranks 43rd of 85 Wisconsin banks on CET1 ratio, in the lower half at 12.99% (Q2 2026). Great North Bank reported 12.99% on CET1 ratio for Q2 2026, 2.08 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 | 12.99% |
| Tier 1 risk-based capital ratio | 12.99% |
| Total risk-based capital ratio | 13.86% |
| Tier 1 leverage ratio | 8.84% |
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 | $18.6M |
| Tier 1 capital | $18.6M |
| Total risk-based capital | $19.8M |
| Total equity capital | $34.7M |
| Risk-weighted assets | $142.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.88% |
| Tangible equity to tangible assets | 8.58% |
| Equity capital to average assets | 15.36% |
| Internal capital growth rate | -2.65% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $106K |
| Common stock surplus | $36.4M |
| Retained earnings | -$1.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $93K |
| 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 | 14.08% | 14.08% | 15.33% | 9.86% | $108.6M |
| Q4 2023 | 15.97% | 15.97% | 17.22% | 10.33% | $98.9M |
| Q1 2024 | 14.37% | 14.37% | 15.45% | 9.95% | $111.6M |
| Q2 2024 | 17.55% | 17.55% | 18.61% | 11.43% | $104.0M |
| Q3 2024 | 17.67% | 17.67% | 18.73% | 12.34% | $105.5M |
| Q4 2024 | 17.79% | 17.79% | 18.77% | 11.69% | $99.7M |
| Q1 2025 | 17.20% | 17.20% | 18.16% | 10.95% | $102.3M |
| Q2 2025 | 15.36% | 15.36% | 16.40% | 10.59% | $111.3M |
| Q3 2025 | 14.19% | 14.19% | 14.93% | 9.68% | $122.8M |
| Q4 2025 | 13.63% | 13.63% | 14.36% | 8.92% | $128.0M |
| Q1 2026 | 14.24% | 14.24% | 14.99% | 9.43% | $131.7M |
| Q2 2026 | 12.99% | 12.99% | 13.86% | 8.84% | $142.9M |
Great North Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Great North 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 Great North Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15146) · FFIEC NIC profile (RSSD 576354)