North American Banking Company: Capital Ratios and Amounts
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Data as of · Call Report Schedule RC-R How we update
North American Banking Company reported all 19 line items on this page on its Q3 2026 filing. Common equity Tier 1 ratio was 15.74% in Q3 2026, up 1.43 percentage points from 14.32% in Q3 2025. Across the 12 quarters shown it ranged from 12.98% (Q4 2024) to 15.74% (Q3 2026).
The standout move of Q3 2026 was in Retained earnings: 19.4% higher than in Q2 2026, at $44.0M. Within Minnesota, North American Banking Company is 56th of 148 on CET1 ratio, 15.74% as of Q3 2026. North American Banking Company reported 15.74% on CET1 ratio for Q3 2026, 2.14 points above the 13.60% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
Largest change in this table: total risk-based capital ratio, up 1.16 points to 16.83% in Q3 2026 after 15.67% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.74% |
| Tier 1 risk-based capital ratio | 15.74% |
| Total risk-based capital ratio | 16.83% |
| Tier 1 leverage ratio | 9.25% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it normally sits well below the risk-based ratios.
Source: Call Report Schedule RC-R, Part I: Common equity Tier 1 ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Capital amounts
Total equity capital moved most in this table, down 11.5%: $99.9M in Q2 2026, $88.4M in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $144.0M |
| Tier 1 capital | $144.0M |
| Total risk-based capital | $153.9M |
| Total equity capital | $88.4M |
| Risk-weighted assets | $914.7M |
Source: Call Report Schedule RC: Total equity capital (item 27.a, RCON3210).
Capital adequacy
Equity capital to average assets moved most in this table, down 0.83 points: 6.51% in Q2 2026, 5.68% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 6.35% |
| Tangible equity to tangible assets | 6.35% |
| Equity capital to average assets | 5.68% |
| Internal capital growth rate | 28.61% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $99.0M |
| Retained earnings | $44.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$55.6M |
| Subordinated notes and debentures | $0 |
Capital Ratios and Amounts trend
Capital Ratios and Amounts by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 13.02% | 13.02% | 14.14% | 8.31% | $843.4M |
| Q1 2024 | 13.21% | 13.21% | 14.34% | 8.37% | $841.1M |
| Q2 2024 | 13.64% | 13.64% | 14.75% | 8.50% | $825.9M |
| Q3 2024 | 13.19% | 13.19% | 14.25% | 8.71% | $874.8M |
| Q4 2024 | 12.98% | 12.98% | 13.98% | 8.40% | $896.4M |
| Q1 2025 | 13.47% | 13.47% | 14.54% | 8.49% | $888.2M |
| Q2 2025 | 13.73% | 13.73% | 14.82% | 8.79% | $902.6M |
| Q3 2025 | 14.32% | 14.32% | 15.44% | 8.65% | $891.7M |
| Q4 2025 | 14.25% | 14.25% | 15.24% | 8.57% | $912.6M |
| Q1 2026 | 14.42% | 14.42% | 15.47% | 8.47% | $908.6M |
| Q2 2026 | 14.63% | 14.63% | 15.67% | 8.91% | $935.5M |
| Q3 2026 | 15.74% | 15.74% | 16.83% | 9.25% | $914.7M |
North American Banking Company capital ratios and amounts, quarter by quarter
Capital Ratios and Amounts since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-R, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full North American Banking Company profile or its peer group comparison.
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