Northrim 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, Retained earnings rose 5.4% in Q2 2026 to $245.3M, the biggest move on this page. Northrim Bank reported 12.38% on CET1 ratio for Q2 2026, 1.10 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.38% |
| Tier 1 risk-based capital ratio | 12.38% |
| Total risk-based capital ratio | 13.39% |
| Tier 1 leverage ratio | 10.26% |
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 | $336.1M |
| Tier 1 capital | $336.1M |
| Total risk-based capital | $363.5M |
| Total equity capital | $385.5M |
| Risk-weighted assets | $2.71B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.35% |
| Tangible equity to tangible assets | 10.01% |
| Equity capital to average assets | 11.59% |
| Internal capital growth rate | 13.34% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $6.1M |
| Common stock surplus | $135.3M |
| Retained earnings | $245.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.2M |
| 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 | 10.05% | 10.05% | 10.96% | 7.65% | $2.08B |
| Q4 2023 | 9.88% | 9.88% | 10.81% | 7.43% | $2.13B |
| Q1 2024 | 10.10% | 10.10% | 11.03% | 7.87% | $2.14B |
| Q2 2024 | 10.28% | 10.28% | 11.19% | 8.07% | $2.17B |
| Q3 2024 | 10.16% | 10.16% | 11.14% | 8.01% | $2.25B |
| Q4 2024 | 9.20% | 9.20% | 10.18% | 7.24% | $2.38B |
| Q1 2025 | 9.23% | 9.23% | 10.10% | 7.59% | $2.48B |
| Q2 2025 | 9.33% | 9.33% | 10.25% | 7.60% | $2.56B |
| Q3 2025 | 9.86% | 9.86% | 10.80% | 7.95% | $2.56B |
| Q4 2025 | 11.85% | 11.85% | 12.80% | 9.61% | $2.63B |
| Q1 2026 | 12.09% | 12.09% | 13.06% | 10.08% | $2.68B |
| Q2 2026 | 12.38% | 12.38% | 13.39% | 10.26% | $2.71B |
Northrim Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Northrim 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 Northrim Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33216) · FFIEC NIC profile (RSSD 1718188)