Minnstar Bank N.A.: Regulatory Capital and Risk-Weighted Assets
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As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.67% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 6.67% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 13.42% +6.92 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $21.1M | 21,077 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $157.1M | 157,059 | RCOAA223 |
| Recomputed ratio | 13.42% | numerator / denominator | |
| Filed ratio | 13.42% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.92 pp | $10.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.42% +5.42 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $21.1M | 21,077 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $157.1M | 157,059 | RCOAA223 |
| Recomputed ratio | 13.42% | numerator / denominator | |
| Filed ratio | 13.42% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.42 pp | $8.5M | capital that could be lost first |
Total risk-based capital ratio 14.67% +4.67 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $23.0M | 23,045 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $157.1M | 157,059 | RCOAA223 |
| Recomputed ratio | 14.67% | numerator / denominator | |
| Filed ratio | 14.67% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.67 pp | $7.3M | capital that could be lost first |
Tier 1 leverage ratio 10.38% +5.38 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $21.1M | 21,077 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $203.1M | 203,134 | RCOAA224 |
| Recomputed ratio | 10.38% | numerator / denominator | |
| Filed ratio | 10.38% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.38 pp | $10.9M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 6,420 | 6,420 | 5,870 | 5,870 | 5,870 | 5,870 | RCOAP742 |
| Retained earnings | 14,657 | 15,667 | 15,458 | 15,503 | 15,311 | 15,469 | RCOAKW00 |
| Accumulated other comprehensive income | (161) | (172) | (90) | (122) | (153) | (212) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 20,916 | 21,915 | 21,238 | 21,251 | 21,028 | 21,127 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 161 | 172 | 90 | 122 | 153 | 212 | P859 - P840 |
| Common equity Tier 1 capital | 21,077 | 22,087 | 21,328 | 21,373 | 21,181 | 21,339 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 21,077 | 22,087 | 21,328 | 21,373 | 21,181 | 21,339 | RCOA8274 |
| Tier 2 capital | 1,968 | 1,936 | 1,812 | 1,725 | 1,803 | 1,806 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,968 | 1,936 | 1,812 | 1,725 | 1,803 | 1,806 | RCOA5310 |
| Total capital | 23,045 | 24,023 | 23,140 | 23,098 | 22,984 | 23,145 | RCOA3792 |
| Total risk-weighted assets | 157,059 | 154,516 | 144,449 | 137,202 | 143,513 | 143,811 | RCOAA223 |
| Average total assets for the leverage ratio | 203,134 | 195,067 | 190,436 | 192,150 | 194,310 | 195,405 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $14.4M | $156K | 1.08% | 0.10% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $9.4M | $1.1M | 11.47% | 0.68% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $1.7M | $337K | 20.00% | 0.21% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $45.6M | $22.8M | 50.00% | 14.48% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $628K | $942K | 150.00% | 0.60% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $126.0M | $122.9M | 97.60% | 78.08% | RC-R Part II, item 4.d, 5.d |
| All other assets | $8.9M | $8.8M | 99.11% | 5.60% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $378K | $378K | 100.00% | 0.24% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $200 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $157.4M | ties to item 31 ($157.4M) |
|---|---|---|
| Risk-weighted assets before deductions | $157.4M | RCONB704 |
| Less: excess allowance for credit losses | $383K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $157.1M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 13.42% | 13.42% | 14.67% | 10.38% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 14.29% | 14.29% | 15.55% | 11.32% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 14.77% | 14.77% | 16.02% | 11.20% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 15.58% | 15.58% | 16.84% | 11.12% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 14.76% | 14.76% | 16.02% | 10.90% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 14.84% | 14.84% | 16.09% | 10.92% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 14.51% | 14.51% | 15.77% | 10.61% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 13.65% | 13.65% | 14.91% | 10.37% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 13.04% | 13.04% | 14.29% | 10.06% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 12.35% | 12.35% | 13.61% | 9.23% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 9.73% | 9.73% | 10.98% | 8.14% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 9.73% | 9.73% | 10.79% | 7.88% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Minnstar Bank N.A. (this bank) | Risk-based | 13.42% | 13.42% | 14.67% | 10.38% | |
| The First National Bank of Groton | $203.9M | CBLR | NA | NA | NA | 14.58% |
| The First National Bank of Dryden | $203.9M | CBLR | NA | NA | NA | 13.55% |
| Greeneville Federal Bank, F.S.B. | $203.9M | Risk-based | 22.14% | 22.14% | 23.39% | 15.59% |
| Scott State Bank | $203.5M | CBLR | NA | NA | NA | 13.67% |
| NorthStar Bank | $203.4M | Risk-based | 16.72% | 16.72% | 17.66% | 11.66% |
| Boc Bank | $203.4M | Risk-based | 16.02% | 16.02% | 17.27% | 12.41% |
| Bank of Commerce | $203.2M | Risk-based | 18.05% | 18.05% | 19.30% | 12.78% |
| Houghton State Bank | $204.9M | Risk-based | 19.94% | 19.94% | 21.19% | 15.41% |
| Commonwealth Cooperative Bank | $205.0M | CBLR | NA | NA | NA | 16.31% |
| Buffalo Federal Bank | $202.6M | CBLR | NA | NA | NA | 10.38% |
| Peer 25th percentile | 16.72% | 16.72% | 17.66% | 12.50% | ||
| Peer median | 18.05% | 18.05% | 19.30% | 13.61% | ||
| Peer 75th percentile | 19.94% | 19.94% | 21.19% | 15.21% | ||
| This bank's percentile | 0 | 0 | 0 | 0 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/89854/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.