Neighborhood 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%.
Accumulated other comprehensive income climbed 7.7% in Q2 2026, from -$12.1M to -$11.2M. It was the largest change from Q1 2026 among the key lines here. Neighborhood National Bank ranks 48th of 161 Minnesota banks on CET1 ratio, in the upper half at 16.54% (Q2 2026). Neighborhood National Bank reported 16.54% on CET1 ratio for Q2 2026, 1.47 points above 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 | 16.54% |
| Tier 1 risk-based capital ratio | 16.54% |
| Total risk-based capital ratio | 17.56% |
| Tier 1 leverage ratio | 11.24% |
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 | $34.9M |
| Tier 1 capital | $34.9M |
| Total risk-based capital | $37.1M |
| Total equity capital | $23.8M |
| Risk-weighted assets | $211.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.61% |
| Tangible equity to tangible assets | 7.61% |
| Equity capital to average assets | 7.64% |
| Internal capital growth rate | 1.80% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4K |
| Common stock surplus | $6.3M |
| Retained earnings | $28.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.2M |
| 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 | 14.43% | 14.43% | 15.40% | 10.06% | $215.0M |
| Q4 2023 | 14.67% | 14.67% | 15.65% | 10.24% | $211.7M |
| Q1 2024 | 14.81% | 14.81% | 15.80% | 10.40% | $213.1M |
| Q2 2024 | 14.82% | 14.82% | 15.82% | 10.47% | $212.7M |
| Q3 2024 | 15.06% | 15.06% | 16.05% | 10.77% | $214.4M |
| Q4 2024 | 15.09% | 15.09% | 16.08% | 10.61% | $214.3M |
| Q1 2025 | 15.92% | 15.92% | 16.96% | 10.44% | $207.0M |
| Q2 2025 | 16.09% | 16.09% | 17.12% | 10.61% | $205.5M |
| Q3 2025 | 16.56% | 16.56% | 17.60% | 10.83% | $206.1M |
| Q4 2025 | 16.27% | 16.27% | 17.29% | 10.78% | $209.3M |
| Q1 2026 | 16.82% | 16.82% | 17.86% | 11.22% | $207.2M |
| Q2 2026 | 16.54% | 16.54% | 17.56% | 11.24% | $211.2M |
Neighborhood National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Neighborhood 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 Neighborhood National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18885) · FFIEC NIC profile (RSSD 705556)