Minnesota Lakes 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 standout move of Q2 2026 was in Total risk-based capital ratio: 1.63 percentage points higher than in Q1 2026, at 17.99%. Minnesota Lakes Bank ranks 45th of 161 Minnesota banks on CET1 ratio, in the upper half at 16.84% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Minnesota Lakes Bank sits 1.78 points higher, at 16.84% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.84% |
| Tier 1 risk-based capital ratio | 16.84% |
| Total risk-based capital ratio | 17.99% |
| Tier 1 leverage ratio | 10.69% |
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 | $13.3M |
| Tier 1 capital | $13.3M |
| Total risk-based capital | $14.3M |
| Total equity capital | $15.2M |
| Risk-weighted assets | $79.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.73% |
| Tangible equity to tangible assets | 10.31% |
| Equity capital to average assets | 11.99% |
| Internal capital growth rate | 3.01% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $596K |
| Common stock surplus | $10.4M |
| Retained earnings | $4.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$181K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 11 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 |
|---|---|---|---|---|---|
| Q4 2023 | 13.86% | 13.86% | 14.54% | 8.73% | $86.0M |
| Q1 2024 | 13.92% | 13.92% | 14.62% | 8.92% | $87.6M |
| Q2 2024 | 14.31% | 14.31% | 15.06% | 9.96% | $86.5M |
| Q3 2024 | 14.67% | 14.67% | 15.44% | 10.27% | $87.2M |
| Q4 2024 | 14.59% | 14.59% | 15.32% | 9.30% | $90.8M |
| Q1 2025 | 14.96% | 14.96% | 15.72% | 10.86% | $89.8M |
| Q2 2025 | 14.35% | 14.35% | 15.61% | 10.34% | $88.0M |
| Q3 2025 | 15.14% | 15.14% | 16.40% | 10.26% | $85.4M |
| Q4 2025 | 15.50% | 15.50% | 16.19% | 10.32% | $85.0M |
| Q1 2026 | 15.42% | 15.42% | 16.36% | 10.64% | $85.8M |
| Q2 2026 | 16.84% | 16.84% | 17.99% | 10.69% | $79.2M |
Minnesota Lakes Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Minnesota Lakes 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 Minnesota Lakes Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23986) · FFIEC NIC profile (RSSD 157650)