Minnesota National 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 Accumulated other comprehensive income: 12.3% higher than in Q1 2026, at -$1.4M. Within Minnesota, Minnesota National Bank is 134th of 161 on CET1 ratio, 11.55% as of Q2 2026, below the middle of the field. Minnesota National Bank reported 11.55% on CET1 ratio for Q2 2026, 3.52 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 | 11.55% |
| Tier 1 risk-based capital ratio | 11.55% |
| Total risk-based capital ratio | 12.61% |
| Tier 1 leverage ratio | 9.77% |
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 | $27.9M |
| Tier 1 capital | $27.9M |
| Total risk-based capital | $30.4M |
| Total equity capital | $30.3M |
| Risk-weighted assets | $241.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.15% |
| Tangible equity to tangible assets | 8.99% |
| Equity capital to average assets | 10.47% |
| Internal capital growth rate | 6.33% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $895K |
| Common stock surplus | $13.7M |
| Retained earnings | $17.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.4M |
| 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 | 10.60% | 10.60% | 11.60% | 8.31% | $217.1M |
| Q4 2023 | 10.53% | 10.53% | 11.54% | 8.35% | $223.4M |
| Q1 2024 | 10.31% | 10.31% | 11.31% | 8.22% | $230.4M |
| Q2 2024 | 10.51% | 10.51% | 11.50% | 8.39% | $233.5M |
| Q3 2024 | 10.63% | 10.63% | 11.72% | 8.22% | $231.7M |
| Q4 2024 | 10.72% | 10.72% | 11.79% | 8.46% | $236.3M |
| Q1 2025 | 10.54% | 10.54% | 11.58% | 8.53% | $243.5M |
| Q2 2025 | 11.11% | 11.11% | 12.17% | 8.78% | $237.3M |
| Q3 2025 | 11.54% | 11.54% | 12.63% | 9.01% | $232.6M |
| Q4 2025 | 11.89% | 11.89% | 12.95% | 9.24% | $228.8M |
| Q1 2026 | 12.00% | 12.00% | 13.07% | 9.57% | $228.5M |
| Q2 2026 | 11.55% | 11.55% | 12.61% | 9.77% | $241.3M |
Minnesota National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Minnesota National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5249) · FFIEC NIC profile (RSSD 799751)