Marshall County 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%.
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 Total risk-based capital ratio: 3.93 percentage points higher than in Q1 2026, at 62.00%. Among 162 Minnesota banks, Marshall County State Bank sits 2nd from the top on CET1 ratio, 60.73% as of Q2 2026. Against a median of 19.96% for banks in the < $100M asset tier, Marshall County State Bank reported 60.73% on CET1 ratio in Q2 2026, 40.77 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 60.73% |
| Tier 1 risk-based capital ratio | 60.73% |
| Total risk-based capital ratio | 62.00% |
| Tier 1 leverage ratio | 15.81% |
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 | $7.1M |
| Tier 1 capital | $7.1M |
| Total risk-based capital | $7.2M |
| Total equity capital | $7.0M |
| Risk-weighted assets | $11.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.39% |
| Tangible equity to tangible assets | 15.39% |
| Equity capital to average assets | 15.65% |
| Internal capital growth rate | 10.05% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $42K |
| Common stock surplus | $2.5M |
| Retained earnings | $4.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$69K |
| 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 | 57.66% | 57.66% | 58.93% | 16.60% | $10.8M |
| Q4 2023 | 60.35% | 60.35% | 61.61% | 16.70% | $10.7M |
| Q1 2024 | 60.72% | 60.72% | 61.99% | 16.83% | $10.7M |
| Q2 2024 | 60.71% | 60.71% | 61.98% | 16.64% | $11.0M |
| Q3 2024 | 59.35% | 59.35% | 60.61% | 17.02% | $11.6M |
| Q4 2024 | 56.10% | 56.10% | 57.37% | 16.12% | $11.9M |
| Q1 2025 | 56.05% | 56.05% | 57.32% | 16.63% | $12.2M |
| Q2 2025 | 60.78% | 60.78% | 62.05% | 16.52% | $11.5M |
| Q3 2025 | 56.96% | 56.96% | 58.23% | 16.75% | $12.4M |
| Q4 2025 | 59.69% | 59.69% | 60.96% | 15.53% | $11.3M |
| Q1 2026 | 56.81% | 56.81% | 58.07% | 15.80% | $12.1M |
| Q2 2026 | 60.73% | 60.73% | 62.00% | 15.81% | $11.6M |
Marshall County State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Marshall County 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 Marshall County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9752) · FFIEC NIC profile (RSSD 720157)