Northstar 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%.
Accumulated other comprehensive income dropped 28.3% in Q2 2026, from -$5.4M to -$6.9M. It was the largest change from Q1 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.11% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $104.6M |
| Tier 1 capital | $104.6M |
| Total risk-based capital | — |
| Total equity capital | $101.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.72% |
| Tangible equity to tangible assets | 8.44% |
| Equity capital to average assets | 8.80% |
| Internal capital growth rate | 14.16% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.0M |
| Common stock surplus | $55.0M |
| Retained earnings | $48.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.9M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 9.48% | 8.62% | 8.27% |
| Q4 2023 | 9.14% | 8.56% | 8.21% |
| Q1 2024 | 9.34% | 8.56% | 8.22% |
| Q2 2024 | 9.42% | 8.76% | 8.42% |
| Q3 2024 | 9.64% | 8.93% | 8.60% |
| Q4 2024 | 8.99% | 8.42% | 8.10% |
| Q1 2025 | 9.31% | 8.89% | 8.56% |
| Q2 2025 | 9.34% | 8.87% | 8.55% |
| Q3 2025 | 9.36% | 8.71% | 8.41% |
| Q4 2025 | 8.73% | 8.29% | 8.00% |
| Q1 2026 | 8.90% | 8.75% | 8.46% |
| Q2 2026 | 9.11% | 8.72% | 8.44% |
Northstar Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Northstar 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 Northstar Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57097) · FFIEC NIC profile (RSSD 2958972)