Luminate 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%.
Risk-weighted assets climbed 8.5% in Q2 2026, from $388.6M to $421.4M. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Luminate Bank is 105th of 161 on CET1 ratio, 12.73% as of Q2 2026, below the middle of the field. Luminate Bank reported 12.73% on CET1 ratio for Q2 2026, 2.34 points below 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 | 12.73% |
| Tier 1 risk-based capital ratio | 12.73% |
| Total risk-based capital ratio | 13.79% |
| Tier 1 leverage ratio | 10.40% |
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 | $53.7M |
| Tier 1 capital | $53.7M |
| Total risk-based capital | $58.1M |
| Total equity capital | $54.6M |
| Risk-weighted assets | $421.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.84% |
| Tangible equity to tangible assets | 9.69% |
| Equity capital to average assets | 10.56% |
| Internal capital growth rate | 2.65% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $450K |
| Common stock surplus | $47.2M |
| Retained earnings | $7.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 14.94% | 14.94% | 16.20% | 12.73% | $198.4M |
| Q4 2023 | 14.80% | 14.80% | 16.07% | 12.80% | $191.4M |
| Q1 2024 | 16.95% | 16.95% | 18.22% | 14.31% | $185.4M |
| Q2 2024 | 14.54% | 14.54% | 15.80% | 13.49% | $243.1M |
| Q3 2024 | 17.35% | 17.35% | 18.62% | 13.11% | $216.9M |
| Q4 2024 | 14.08% | 14.08% | 15.33% | 11.84% | $261.2M |
| Q1 2025 | 15.58% | 15.58% | 16.83% | 10.72% | $240.5M |
| Q2 2025 | 12.01% | 12.01% | 13.26% | 10.27% | $316.1M |
| Q3 2025 | 12.71% | 12.71% | 13.97% | 8.97% | $336.7M |
| Q4 2025 | 12.51% | 12.51% | 13.76% | 10.09% | $381.9M |
| Q1 2026 | 13.07% | 13.07% | 14.17% | 10.00% | $388.6M |
| Q2 2026 | 12.73% | 12.73% | 13.79% | 10.40% | $421.4M |
Luminate Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Luminate 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 Luminate Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16635) · FFIEC NIC profile (RSSD 310754)