New Market 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 Retained earnings: 11.6% higher than in Q1 2026, at $5.6M. On CET1 ratio, New Market Bank is 6th from the bottom among 161 Minnesota banks, 10.10% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. New Market Bank sits 4.97 points lower, at 10.10% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.10% |
| Tier 1 risk-based capital ratio | 13.07% |
| Total risk-based capital ratio | 14.25% |
| Tier 1 leverage ratio | 9.11% |
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 | $13.6M |
| Tier 1 capital | $17.6M |
| Total risk-based capital | $19.2M |
| Total equity capital | $17.1M |
| Risk-weighted assets | $134.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.74% |
| Tangible equity to tangible assets | 8.74% |
| Equity capital to average assets | 8.87% |
| Internal capital growth rate | 14.08% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $10K |
| Common stock surplus | $8.0M |
| Retained earnings | $5.6M |
| Preferred stock and surplus | $4.0M |
| Accumulated other comprehensive income | -$463K |
| 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 | 9.76% | 13.24% | 14.44% | 7.99% | $114.9M |
| Q4 2023 | 10.02% | 13.51% | 14.73% | 8.24% | $114.4M |
| Q1 2024 | 9.88% | 13.26% | 14.46% | 8.19% | $118.2M |
| Q2 2024 | 10.27% | 13.68% | 14.91% | 8.40% | $117.2M |
| Q3 2024 | 10.54% | 14.01% | 15.26% | 8.37% | $115.2M |
| Q4 2024 | 10.12% | 13.53% | 14.78% | 8.90% | $117.3M |
| Q1 2025 | 10.23% | 13.58% | 14.82% | 8.84% | $119.7M |
| Q2 2025 | 10.55% | 13.85% | 15.10% | 8.87% | $121.1M |
| Q3 2025 | 9.47% | 12.63% | 13.86% | 8.70% | $126.6M |
| Q4 2025 | 9.78% | 12.91% | 14.12% | 8.83% | $127.8M |
| Q1 2026 | 10.56% | 13.81% | 15.06% | 8.88% | $123.1M |
| Q2 2026 | 10.10% | 13.07% | 14.25% | 9.11% | $134.6M |
New Market Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock New Market 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 New Market Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1931) · FFIEC NIC profile (RSSD 165758)