Lake Region 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: 14.5% higher than in Q1 2026, at $6.0M. Within Minnesota, Lake Region Bank is 35th of 161 on CET1 ratio, 18.78% as of Q2 2026, above the middle of the field. Lake Region Bank reported 18.78% on CET1 ratio for Q2 2026, 3.71 points above 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 | 18.78% |
| Tier 1 risk-based capital ratio | 18.78% |
| Total risk-based capital ratio | 19.67% |
| Tier 1 leverage ratio | 10.43% |
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 | $16.0M |
| Tier 1 capital | $16.0M |
| Total risk-based capital | $16.8M |
| Total equity capital | $12.9M |
| Risk-weighted assets | $85.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.44% |
| Tangible equity to tangible assets | 8.44% |
| Equity capital to average assets | 8.39% |
| Internal capital growth rate | 26.12% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $650K |
| Common stock surplus | $9.3M |
| Retained earnings | $6.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.1M |
| 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 | 22.37% | 22.37% | 23.20% | 10.91% | $72.3M |
| Q4 2023 | 23.69% | 23.69% | 24.63% | 10.96% | $68.2M |
| Q1 2024 | 24.56% | 24.56% | 25.54% | 11.37% | $68.0M |
| Q2 2024 | 23.38% | 23.38% | 24.35% | 11.31% | $69.7M |
| Q3 2024 | 23.44% | 23.44% | 24.41% | 11.69% | $71.9M |
| Q4 2024 | 22.29% | 22.29% | 23.25% | 11.36% | $74.4M |
| Q1 2025 | 22.73% | 22.73% | 23.68% | 11.72% | $75.4M |
| Q2 2025 | 20.29% | 20.29% | 21.26% | 11.12% | $79.9M |
| Q3 2025 | 20.28% | 20.28% | 21.26% | 11.50% | $82.9M |
| Q4 2025 | 20.41% | 20.41% | 21.33% | 11.07% | $81.6M |
| Q1 2026 | 18.28% | 18.28% | 19.19% | 10.01% | $83.6M |
| Q2 2026 | 18.78% | 18.78% | 19.67% | 10.43% | $85.4M |
Lake Region Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Lake Region 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 Region Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10965) · FFIEC NIC profile (RSSD 164153)