Kensington 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 10.5% higher than in Q1 2026, at -$1.7M. Kensington Bank ranks 132nd of 161 Minnesota banks on CET1 ratio, in the lower half at 11.61% (Q2 2026). Kensington Bank reported 11.61% on CET1 ratio for Q2 2026, 3.46 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 | 11.61% |
| Tier 1 risk-based capital ratio | 11.61% |
| Total risk-based capital ratio | 12.34% |
| Tier 1 leverage ratio | 9.90% |
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 | $44.5M |
| Tier 1 capital | $44.5M |
| Total risk-based capital | $47.3M |
| Total equity capital | $44.6M |
| Risk-weighted assets | $383.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.98% |
| Tangible equity to tangible assets | 9.61% |
| Equity capital to average assets | 9.88% |
| Internal capital growth rate | 12.69% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $28.5M |
| Retained earnings | $17.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.7M |
| 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 | 9.93% | 9.93% | 10.55% | 8.98% | $349.3M |
| Q4 2023 | 9.86% | 9.86% | 10.41% | 8.90% | $358.8M |
| Q1 2024 | 10.10% | 10.10% | 10.69% | 8.75% | $359.1M |
| Q2 2024 | 10.31% | 10.31% | 10.88% | 8.87% | $362.1M |
| Q3 2024 | 10.52% | 10.52% | 11.11% | 8.85% | $367.0M |
| Q4 2024 | 10.70% | 10.70% | 11.29% | 8.66% | $361.7M |
| Q1 2025 | 10.64% | 10.64% | 11.26% | 9.02% | $375.1M |
| Q2 2025 | 10.60% | 10.60% | 11.31% | 9.12% | $387.7M |
| Q3 2025 | 10.99% | 10.99% | 11.76% | 9.29% | $386.8M |
| Q4 2025 | 10.70% | 10.70% | 11.38% | 8.94% | $388.3M |
| Q1 2026 | 11.03% | 11.03% | 11.83% | 9.52% | $390.8M |
| Q2 2026 | 11.61% | 11.61% | 12.34% | 9.90% | $383.1M |
Kensington Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Kensington 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 Kensington Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1409) · FFIEC NIC profile (RSSD 58757)