Lowry State 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 fell 2.7% to $68.3M. Within Minnesota, Lowry State Bank is 123rd of 162 on CET1 ratio, 12.06% as of Q2 2026. Lowry State Bank reported 12.06% on CET1 ratio for Q2 2026, 7.90 points below the 19.96% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.06% |
| Tier 1 risk-based capital ratio | 12.06% |
| Total risk-based capital ratio | 13.31% |
| Tier 1 leverage ratio | 9.58% |
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 | $8.2M |
| Tier 1 capital | $8.2M |
| Total risk-based capital | $9.1M |
| Total equity capital | $8.2M |
| Risk-weighted assets | $68.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.79% |
| Tangible equity to tangible assets | 9.79% |
| Equity capital to average assets | 9.58% |
| Internal capital growth rate | -4.38% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $60K |
| Common stock surplus | $4.9M |
| Retained earnings | $3.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4K |
| 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 | 9.97% | 9.97% | 11.20% | 8.48% | $63.8M |
| Q4 2023 | 9.90% | 9.90% | 11.10% | 8.41% | $64.9M |
| Q1 2024 | 10.14% | 10.14% | 11.38% | 8.23% | $64.5M |
| Q2 2024 | 9.86% | 9.86% | 11.11% | 8.46% | $68.3M |
| Q3 2024 | 10.41% | 10.41% | 11.67% | 8.52% | $68.0M |
| Q4 2024 | 10.63% | 10.63% | 11.89% | 8.65% | $68.0M |
| Q1 2025 | 12.06% | 12.06% | 13.31% | 9.07% | $63.6M |
| Q2 2025 | 11.23% | 11.23% | 12.48% | 9.36% | $69.5M |
| Q3 2025 | 11.41% | 11.41% | 12.67% | 9.44% | $69.8M |
| Q4 2025 | 11.60% | 11.60% | 12.85% | 9.30% | $69.9M |
| Q1 2026 | 11.86% | 11.86% | 13.11% | 9.70% | $70.2M |
| Q2 2026 | 12.06% | 12.06% | 13.31% | 9.58% | $68.3M |
Lowry State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Lowry State 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 Lowry State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10202) · FFIEC NIC profile (RSSD 457)