Northern State 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%.
Compared with Q1 2026, Risk-weighted assets rose 6.9% in Q2 2026 to $194.3M, the biggest move on this page. Northern State Bank ranks 17th of 85 Wisconsin banks on CET1 ratio, in the upper half at 17.11% (Q2 2026). Northern State Bank reported 17.11% on CET1 ratio for Q2 2026, 2.03 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 | 17.11% |
| Tier 1 risk-based capital ratio | 17.11% |
| Total risk-based capital ratio | 18.08% |
| Tier 1 leverage ratio | 9.92% |
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 | $33.2M |
| Tier 1 capital | $33.2M |
| Total risk-based capital | $35.1M |
| Total equity capital | $33.1M |
| Risk-weighted assets | $194.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.00% |
| Tangible equity to tangible assets | 10.00% |
| Equity capital to average assets | 9.88% |
| Internal capital growth rate | 7.61% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $405K |
| Common stock surplus | $6.3M |
| Retained earnings | $26.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$143K |
| 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 | 16.98% | 16.98% | 17.79% | 8.74% | $162.1M |
| Q4 2023 | 17.16% | 17.16% | 17.97% | 8.88% | $163.1M |
| Q1 2024 | 17.37% | 17.37% | 18.21% | 9.01% | $164.7M |
| Q2 2024 | 17.21% | 17.21% | 18.04% | 9.41% | $168.9M |
| Q3 2024 | 16.70% | 16.70% | 17.55% | 9.47% | $177.8M |
| Q4 2024 | 17.34% | 17.34% | 18.23% | 9.76% | $174.2M |
| Q1 2025 | 18.58% | 18.58% | 19.58% | 9.92% | $165.7M |
| Q2 2025 | 18.46% | 18.46% | 19.52% | 10.28% | $170.8M |
| Q3 2025 | 18.13% | 18.13% | 19.24% | 9.94% | $175.6M |
| Q4 2025 | 17.67% | 17.67% | 18.57% | 9.94% | $182.8M |
| Q1 2026 | 17.94% | 17.94% | 18.93% | 9.91% | $181.8M |
| Q2 2026 | 17.11% | 17.11% | 18.08% | 9.92% | $194.3M |
Northern State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Northern State 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 Northern State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15242) · FFIEC NIC profile (RSSD 625757)