Lake Elmo 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 Retained earnings, which rose 3.6% to $22.0M. Within Minnesota, Lake Elmo Bank is 53rd of 161 on CET1 ratio, 16.14% 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 Elmo Bank sits 1.07 points higher, at 16.14% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.14% |
| Tier 1 risk-based capital ratio | 16.14% |
| Total risk-based capital ratio | 17.39% |
| Tier 1 leverage ratio | 11.62% |
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 | $62.0M |
| Tier 1 capital | $62.0M |
| Total risk-based capital | $66.8M |
| Total equity capital | $60.1M |
| Risk-weighted assets | $384.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.35% |
| Tangible equity to tangible assets | 11.35% |
| Equity capital to average assets | 11.27% |
| Internal capital growth rate | 5.19% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $39.9M |
| Retained earnings | $22.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.9M |
| 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 | 15.34% | 15.34% | 16.60% | 10.13% | $337.7M |
| Q4 2023 | 15.19% | 15.19% | 16.44% | 10.31% | $339.4M |
| Q1 2024 | 15.78% | 15.78% | 17.04% | 10.81% | $340.3M |
| Q2 2024 | 15.60% | 15.60% | 16.85% | 10.78% | $348.4M |
| Q3 2024 | 15.85% | 15.85% | 17.11% | 10.97% | $352.6M |
| Q4 2024 | 15.69% | 15.69% | 16.94% | 10.70% | $350.9M |
| Q1 2025 | 16.47% | 16.47% | 17.73% | 11.11% | $347.9M |
| Q2 2025 | 16.35% | 16.35% | 17.61% | 11.30% | $355.0M |
| Q3 2025 | 16.33% | 16.33% | 17.58% | 11.51% | $365.7M |
| Q4 2025 | 16.06% | 16.06% | 17.31% | 11.25% | $367.3M |
| Q1 2026 | 16.49% | 16.49% | 17.75% | 11.73% | $371.4M |
| Q2 2026 | 16.14% | 16.14% | 17.39% | 11.62% | $384.3M |
Lake Elmo Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Lake Elmo 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 Elmo Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15443) · FFIEC NIC profile (RSSD 1015850)