Minnesota First Credit and Savings, Incorporated: 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 rose 5.1% to $21.2M. Minnesota First Credit and Savings, Incorporated ranks 29th of 161 Minnesota banks on CET1 ratio, in the upper half at 19.92% (Q2 2026). At 19.92%, Minnesota First Credit and Savings, Incorporated's CET1 ratio is close to the 19.57% median for banks in the < $100M asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.92% |
| Tier 1 risk-based capital ratio | 19.92% |
| Total risk-based capital ratio | 21.18% |
| Tier 1 leverage ratio | 14.16% |
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 | $4.2M |
| Tier 1 capital | $4.2M |
| Total risk-based capital | $4.5M |
| Total equity capital | $4.2M |
| Risk-weighted assets | $21.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.15% |
| Tangible equity to tangible assets | 14.15% |
| Equity capital to average assets | 14.16% |
| Internal capital growth rate | 1.33% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $208K |
| Common stock surplus | $2.3M |
| Retained earnings | $1.7M |
| 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 | 23.44% | 23.44% | 24.70% | 17.32% | $18.1M |
| Q4 2023 | 22.75% | 22.75% | 24.01% | 16.66% | $18.2M |
| Q1 2024 | 22.64% | 22.64% | 23.90% | 16.39% | $18.2M |
| Q2 2024 | 23.17% | 23.17% | 24.43% | 16.48% | $17.8M |
| Q3 2024 | 22.52% | 22.52% | 23.78% | 16.36% | $18.3M |
| Q4 2024 | 22.11% | 22.11% | 23.37% | 15.98% | $18.7M |
| Q1 2025 | 21.75% | 21.75% | 23.01% | 15.34% | $19.0M |
| Q2 2025 | 21.33% | 21.33% | 22.58% | 15.22% | $19.5M |
| Q3 2025 | 20.72% | 20.72% | 21.98% | 15.03% | $20.2M |
| Q4 2025 | 20.81% | 20.81% | 22.07% | 14.79% | $20.2M |
| Q1 2026 | 20.86% | 20.86% | 22.12% | 14.23% | $20.2M |
| Q2 2026 | 19.92% | 19.92% | 21.18% | 14.16% | $21.2M |
Minnesota First Credit and Savings, Incorporated regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Minnesota First Credit and Savings, Incorporated, 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 Minnesota First Credit and Savings, Incorporated profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26755) · FFIEC NIC profile (RSSD 821559)