Minnstar Bank N.A.: 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 Equity capital to average assets: 0.94 percentage points lower than in Q1 2026, at 10.30%. Within Minnesota, Minnstar Bank N.A. is 92nd of 161 on CET1 ratio, 13.42% as of Q2 2026, below the middle of the field. Minnstar Bank N.A. reported 13.42% on CET1 ratio for Q2 2026, 1.65 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 | 13.42% |
| Tier 1 risk-based capital ratio | 13.42% |
| Total risk-based capital ratio | 14.67% |
| Tier 1 leverage ratio | 10.38% |
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 | $21.1M |
| Tier 1 capital | $21.1M |
| Total risk-based capital | $23.0M |
| Total equity capital | $20.9M |
| Risk-weighted assets | $157.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.25% |
| Tangible equity to tangible assets | 10.25% |
| Equity capital to average assets | 10.30% |
| Internal capital growth rate | -18.42% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $6.2M |
| Retained earnings | $14.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$161K |
| 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 | 9.73% | 9.73% | 10.79% | 7.88% | $172.6M |
| Q4 2023 | 9.73% | 9.73% | 10.98% | 8.14% | $178.2M |
| Q1 2024 | 12.35% | 12.35% | 13.61% | 9.23% | $164.9M |
| Q2 2024 | 13.04% | 13.04% | 14.29% | 10.06% | $159.2M |
| Q3 2024 | 13.65% | 13.65% | 14.91% | 10.37% | $154.8M |
| Q4 2024 | 14.51% | 14.51% | 15.77% | 10.61% | $148.3M |
| Q1 2025 | 14.84% | 14.84% | 16.09% | 10.92% | $143.8M |
| Q2 2025 | 14.76% | 14.76% | 16.02% | 10.90% | $143.5M |
| Q3 2025 | 15.58% | 15.58% | 16.84% | 11.12% | $137.2M |
| Q4 2025 | 14.77% | 14.77% | 16.02% | 11.20% | $144.4M |
| Q1 2026 | 14.29% | 14.29% | 15.55% | 11.32% | $154.5M |
| Q2 2026 | 13.42% | 13.42% | 14.67% | 10.38% | $157.1M |
Minnstar Bank N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Minnstar Bank N.A., 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 Minnstar Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13809) · FFIEC NIC profile (RSSD 89854)