Keen Bank, N.A.: 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, Accumulated other comprehensive income rose 4.6% in Q2 2026 to -$1.1M, the biggest move on this page. Within Minnesota, Keen Bank, N.A. is 116th of 161 on CET1 ratio, 12.21% as of Q2 2026, below the middle of the field. Keen Bank, N.A. reported 12.21% on CET1 ratio for Q2 2026, 2.86 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 | 12.21% |
| Tier 1 risk-based capital ratio | 12.21% |
| Total risk-based capital ratio | 13.46% |
| Tier 1 leverage ratio | 8.43% |
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 | $16.6M |
| Tier 1 capital | $16.6M |
| Total risk-based capital | $18.3M |
| Total equity capital | $16.6M |
| Risk-weighted assets | $135.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.26% |
| Tangible equity to tangible assets | 7.74% |
| Equity capital to average assets | 8.41% |
| Internal capital growth rate | -7.65% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $5.5M |
| Retained earnings | $11.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | 12.10% | 12.10% | 13.35% | 8.62% | $121.2M |
| Q4 2023 | 12.14% | 12.14% | 13.39% | 8.67% | $120.9M |
| Q1 2024 | 12.20% | 12.20% | 13.45% | 8.47% | $123.3M |
| Q2 2024 | 11.93% | 11.93% | 13.19% | 8.37% | $125.1M |
| Q3 2024 | 11.89% | 11.89% | 13.14% | 8.43% | $127.4M |
| Q4 2024 | 11.94% | 11.94% | 13.19% | 8.37% | $126.7M |
| Q1 2025 | 12.07% | 12.07% | 13.32% | 8.41% | $127.1M |
| Q2 2025 | 12.20% | 12.20% | 13.45% | 8.48% | $129.3M |
| Q3 2025 | 12.44% | 12.44% | 13.69% | 8.43% | $128.4M |
| Q4 2025 | 11.88% | 11.88% | 13.13% | 8.22% | $133.9M |
| Q1 2026 | 12.54% | 12.54% | 13.79% | 8.53% | $134.7M |
| Q2 2026 | 12.21% | 12.21% | 13.46% | 8.43% | $135.7M |
Keen Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Keen Bank, N.A., 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 Keen Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5270) · FFIEC NIC profile (RSSD 837354)