Lake Central 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 Retained earnings: 19.2% higher than in Q1 2026, at $9.9M. Within Minnesota, Lake Central Bank is 78th of 161 on CET1 ratio, 14.18% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Lake Central Bank sits 0.90 points lower, at 14.18% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.18% |
| Tier 1 risk-based capital ratio | 14.18% |
| Total risk-based capital ratio | 15.26% |
| Tier 1 leverage ratio | 11.15% |
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 | $32.4M |
| Tier 1 capital | $32.4M |
| Total risk-based capital | $34.8M |
| Total equity capital | $30.5M |
| Risk-weighted assets | $228.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.45% |
| Tangible equity to tangible assets | 9.65% |
| Equity capital to average assets | 10.40% |
| Internal capital growth rate | 22.09% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $24.5M |
| Retained earnings | $9.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.5M |
| 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 | 13.57% | 13.57% | 14.59% | 9.34% | $153.0M |
| Q4 2023 | 13.47% | 13.47% | 14.49% | 9.06% | $151.4M |
| Q1 2024 | 13.89% | 13.89% | 14.92% | 9.13% | $149.4M |
| Q2 2024 | 13.77% | 13.77% | 14.64% | 9.81% | $200.1M |
| Q3 2024 | 13.89% | 13.89% | 14.77% | 10.14% | $206.1M |
| Q4 2024 | — | — | — | 10.27% | — |
| Q1 2025 | 14.12% | 14.12% | 15.16% | 10.64% | $211.4M |
| Q2 2025 | 13.92% | 13.92% | 14.91% | 10.78% | $220.4M |
| Q3 2025 | 13.95% | 13.95% | 14.94% | 10.76% | $222.5M |
| Q4 2025 | 14.25% | 14.25% | 15.23% | 11.27% | $227.1M |
| Q1 2026 | 13.56% | 13.56% | 14.59% | 10.90% | $226.6M |
| Q2 2026 | 14.18% | 14.18% | 15.26% | 11.15% | $228.3M |
Lake Central Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Lake Central 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 Lake Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10989) · FFIEC NIC profile (RSSD 269058)