Northeast 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Retained earnings climbed 70.3% in Q2 2026, from $2.3M to $3.9M. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Northeast Bank is 113th of 162 on CET1 ratio, 12.31% as of Q2 2026. Northeast Bank reported 12.31% on CET1 ratio for Q2 2026, 2.77 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.31% |
| Tier 1 risk-based capital ratio | 12.31% |
| Total risk-based capital ratio | 13.17% |
| Tier 1 leverage ratio | 10.13% |
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 | $83.9M |
| Tier 1 capital | $83.9M |
| Total risk-based capital | $89.8M |
| Total equity capital | $70.0M |
| Risk-weighted assets | $681.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.36% |
| Tangible equity to tangible assets | 8.36% |
| Equity capital to average assets | 8.45% |
| Internal capital growth rate | 9.71% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $79.8M |
| Retained earnings | $3.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$14.0M |
| 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 | 13.11% | 13.11% | 14.01% | 9.83% | $557.2M |
| Q4 2023 | 12.67% | 12.67% | 13.53% | 9.80% | $584.2M |
| Q1 2024 | 12.93% | 12.93% | 13.83% | 9.53% | $569.3M |
| Q2 2024 | 13.02% | 13.02% | 13.90% | 9.84% | $578.3M |
| Q3 2024 | 13.15% | 13.15% | 14.02% | 9.95% | $587.2M |
| Q4 2024 | 12.81% | 12.81% | 13.64% | 10.05% | $616.6M |
| Q1 2025 | 12.40% | 12.40% | 13.21% | 9.62% | $632.2M |
| Q2 2025 | 11.86% | 11.86% | 12.69% | 9.53% | $671.6M |
| Q3 2025 | 11.88% | 11.88% | 12.83% | 9.52% | $686.4M |
| Q4 2025 | 11.90% | 11.90% | 12.71% | 10.03% | $694.3M |
| Q1 2026 | 11.98% | 11.98% | 12.79% | 9.86% | $687.3M |
| Q2 2026 | 12.31% | 12.31% | 13.17% | 10.13% | $681.9M |
Northeast Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Northeast 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 Northeast Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16659) · FFIEC NIC profile (RSSD 689357)