Lake Country Community 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 largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 4.8% to $18.5M. Lake Country Community Bank ranks 27th of 161 Minnesota banks on CET1 ratio, in the upper half at 20.34% (Q2 2026). The median for banks in the < $100M asset tier is 19.57% on CET1 ratio. Lake Country Community Bank sits 0.78 points higher, at 20.34% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.34% |
| Tier 1 risk-based capital ratio | 20.34% |
| Total risk-based capital ratio | 21.59% |
| Tier 1 leverage ratio | 11.92% |
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 | $3.8M |
| Tier 1 capital | $3.8M |
| Total risk-based capital | $4.0M |
| Total equity capital | $3.1M |
| Risk-weighted assets | $18.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.96% |
| Tangible equity to tangible assets | 9.96% |
| Equity capital to average assets | 9.91% |
| Internal capital growth rate | 4.35% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $175K |
| Common stock surplus | $3.9M |
| Retained earnings | -$232K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$722K |
| 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 | 24.31% | 24.31% | 25.24% | 12.48% | $15.2M |
| Q4 2023 | 24.86% | 24.86% | 25.80% | 12.77% | $14.9M |
| Q1 2024 | 23.12% | 23.12% | 24.07% | 12.77% | $16.1M |
| Q2 2024 | 24.84% | 24.84% | 25.89% | 13.25% | $14.8M |
| Q3 2024 | 25.29% | 25.29% | 26.32% | 11.80% | $14.7M |
| Q4 2024 | 23.03% | 23.03% | 23.93% | 11.30% | $16.2M |
| Q1 2025 | 20.30% | 20.30% | 21.39% | 11.26% | $18.4M |
| Q2 2025 | 20.32% | 20.32% | 21.42% | 11.52% | $18.4M |
| Q3 2025 | 22.77% | 22.77% | 23.99% | 11.15% | $16.5M |
| Q4 2025 | 22.50% | 22.50% | 23.65% | 11.45% | $16.6M |
| Q1 2026 | 21.12% | 21.12% | 22.34% | 11.80% | $17.7M |
| Q2 2026 | 20.34% | 20.34% | 21.59% | 11.92% | $18.5M |
Lake Country Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Lake Country Community 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 Country Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17122) · FFIEC NIC profile (RSSD 706450)