Grove 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%.
Risk-weighted assets climbed 10.0% in Q2 2026, from $40.6M to $44.7M. It was the largest change from Q1 2026 among the key lines here. Grove Bank ranks 120th of 161 Minnesota banks on CET1 ratio, in the lower half at 12.08% (Q2 2026). The median for banks in the < $100M asset tier is 19.57% on CET1 ratio. Grove Bank sits 7.49 points lower, at 12.08% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.08% |
| Tier 1 risk-based capital ratio | 12.08% |
| Total risk-based capital ratio | 12.94% |
| Tier 1 leverage ratio | 9.95% |
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 | $5.4M |
| Tier 1 capital | $5.4M |
| Total risk-based capital | $5.8M |
| Total equity capital | $7.0M |
| Risk-weighted assets | $44.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.48% |
| Tangible equity to tangible assets | 9.93% |
| Equity capital to average assets | 12.62% |
| Internal capital growth rate | 2.90% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $61K |
| Common stock surplus | $7.1M |
| Retained earnings | -$12K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $50K |
| 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 | 17.62% | 17.62% | 18.88% | 10.43% | $26.5M |
| Q4 2023 | 16.88% | 16.88% | 18.15% | 10.44% | $27.7M |
| Q1 2024 | 16.99% | 16.99% | 18.24% | 10.07% | $27.9M |
| Q2 2024 | 16.47% | 16.47% | 17.73% | 9.58% | $29.4M |
| Q3 2024 | 15.74% | 15.74% | 16.90% | 9.43% | $30.8M |
| Q4 2024 | 10.66% | 10.66% | 11.49% | 9.23% | $45.5M |
| Q1 2025 | 9.43% | 9.43% | 10.13% | 9.39% | $51.5M |
| Q2 2025 | 12.43% | 12.43% | 13.42% | 8.59% | $38.4M |
| Q3 2025 | 13.74% | 13.74% | 14.74% | 9.35% | $38.1M |
| Q4 2025 | 13.44% | 13.44% | 14.41% | 9.52% | $39.4M |
| Q1 2026 | 13.12% | 13.12% | 14.06% | 10.01% | $40.6M |
| Q2 2026 | 12.08% | 12.08% | 12.94% | 9.95% | $44.7M |
Grove Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Grove 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 Grove Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8857) · FFIEC NIC profile (RSSD 79257)