The Northern State Bank of Gonvick: 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 Total risk-based capital ratio: 3.17 percentage points higher than in Q1 2026, at 47.46%. Among 161 Minnesota banks, The Northern State Bank of Gonvick sits 4th from the top on CET1 ratio, 46.18% as of Q2 2026. The Northern State Bank of Gonvick's CET1 ratio of 46.18% is well above the 19.57% median for banks in the < $100M asset tier, a gap of 26.62 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 46.18% |
| Tier 1 risk-based capital ratio | 46.18% |
| Total risk-based capital ratio | 47.46% |
| Tier 1 leverage ratio | 15.75% |
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 | $8.2M |
| Tier 1 capital | $8.2M |
| Total risk-based capital | $8.4M |
| Total equity capital | $8.1M |
| Risk-weighted assets | $17.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.02% |
| Tangible equity to tangible assets | 16.02% |
| Equity capital to average assets | 15.60% |
| Internal capital growth rate | 10.50% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $59K |
| Common stock surplus | $5.0M |
| Retained earnings | $3.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$77K |
| 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 | 49.73% | 49.73% | 51.02% | 16.05% | $14.6M |
| Q4 2023 | 53.94% | 53.94% | 55.22% | 15.36% | $13.9M |
| Q1 2024 | 54.45% | 54.45% | 55.73% | 14.75% | $14.0M |
| Q2 2024 | 52.92% | 52.92% | 54.20% | 15.43% | $14.9M |
| Q3 2024 | 54.08% | 54.08% | 55.37% | 16.63% | $15.1M |
| Q4 2024 | 50.96% | 50.96% | 52.24% | 15.23% | $15.2M |
| Q1 2025 | 49.08% | 49.08% | 50.36% | 15.22% | $16.2M |
| Q2 2025 | 52.69% | 52.69% | 53.98% | 15.50% | $15.3M |
| Q3 2025 | 49.88% | 49.88% | 51.15% | 16.85% | $16.5M |
| Q4 2025 | 46.53% | 46.53% | 47.80% | 14.85% | $16.7M |
| Q1 2026 | 43.02% | 43.02% | 44.29% | 14.97% | $18.5M |
| Q2 2026 | 46.18% | 46.18% | 47.46% | 15.75% | $17.7M |
The Northern State Bank of Gonvick regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Northern State Bank of Gonvick, 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 The Northern State Bank of Gonvick profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10187) · FFIEC NIC profile (RSSD 75455)