Lakeview 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Common stock surplus: 9.2% higher than in Q1 2026, at $11.9M. Within Minnesota, Lakeview Bank is 101st of 162 on CET1 ratio, 12.98% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Lakeview Bank sits 2.10 points lower, at 12.98% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.98% |
| Tier 1 risk-based capital ratio | 12.98% |
| Total risk-based capital ratio | 14.23% |
| Tier 1 leverage ratio | 8.91% |
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 | $18.2M |
| Tier 1 capital | $18.2M |
| Total risk-based capital | $19.9M |
| Total equity capital | $17.2M |
| Risk-weighted assets | $140.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.87% |
| Tangible equity to tangible assets | 7.84% |
| Equity capital to average assets | 8.41% |
| Internal capital growth rate | 15.73% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $11.9M |
| Retained earnings | $6.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | 13.62% | 13.62% | 14.87% | 9.33% | $106.7M |
| Q4 2023 | 13.58% | 13.58% | 14.83% | 9.33% | $109.3M |
| Q1 2024 | 13.30% | 13.30% | 14.55% | 8.81% | $110.2M |
| Q2 2024 | 13.43% | 13.43% | 14.68% | 8.91% | $111.7M |
| Q3 2024 | 13.50% | 13.50% | 14.75% | 8.96% | $114.3M |
| Q4 2024 | 13.82% | 13.82% | 15.07% | 9.18% | $116.0M |
| Q1 2025 | 13.45% | 13.45% | 14.70% | 9.24% | $119.4M |
| Q2 2025 | 13.38% | 13.38% | 14.63% | 9.41% | $123.8M |
| Q3 2025 | 13.45% | 13.45% | 14.70% | 9.44% | $127.2M |
| Q4 2025 | 13.69% | 13.69% | 14.94% | 9.49% | $128.8M |
| Q1 2026 | 13.38% | 13.38% | 14.63% | 8.74% | $131.1M |
| Q2 2026 | 12.98% | 12.98% | 14.23% | 8.91% | $140.1M |
Lakeview Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Lakeview 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 Lakeview Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57785) · FFIEC NIC profile (RSSD 3253834)