Northwoods Bank of Minnesota: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 11.22% +2.22 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $15.9M | 15,924 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $141.9M | 141,941 | RCOAA224 |
| Recomputed ratio | 11.22% | numerator / denominator | |
| Filed ratio | 11.22% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.22 pp | $3.1M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 1,510 | 1,510 | 1,510 | 1,510 | 1,510 | 1,510 | RCOAP742 |
| Retained earnings | 14,414 | 14,314 | 14,179 | 14,094 | 13,874 | 14,002 | RCOAKW00 |
| Accumulated other comprehensive income | (2,958) | (2,726) | (2,689) | (2,856) | (4,149) | (4,126) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 12,966 | 13,098 | 13,000 | 12,748 | 11,235 | 11,386 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,958 | 2,726 | 2,689 | 2,856 | 4,149 | 4,126 | P859 - P840 |
| Common equity Tier 1 capital | 15,924 | 15,824 | 15,689 | 15,604 | 15,384 | 15,512 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 15,924 | 15,824 | 15,689 | 15,604 | 15,384 | 15,512 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 141,941 | 143,877 | 143,554 | 145,991 | 138,960 | 135,580 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 11.22% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 11.00% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.93% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 10.69% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 11.07% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 11.44% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 11.17% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 10.68% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 11.15% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 10.97% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.88% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.44% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Northwoods Bank of Minnesota (this bank) | CBLR | NA | NA | NA | 11.22% | |
| Spur Security Bank | $140.6M | Risk-based | 17.91% | 17.91% | 19.01% | 12.39% |
| Bank of Buffalo | $140.5M | CBLR | NA | NA | NA | 9.78% |
| First Farmers & Merchants National Bank | $140.4M | Risk-based | 11.91% | 11.91% | 13.04% | 10.59% |
| Farmers Savings Bank | $140.3M | CBLR | NA | NA | NA | 16.51% |
| Valley Premier Bank | $141.0M | CBLR | NA | NA | NA | 11.13% |
| Bridge Community Bank | $141.1M | CBLR | NA | NA | NA | 10.49% |
| Federated Bank | $140.1M | Risk-based | 11.79% | 11.79% | 12.56% | 8.88% |
| Hershey Bank | $141.1M | CBLR | NA | NA | NA | 13.24% |
| Commercial Bank of Mott | $140.0M | CBLR | NA | NA | NA | 13.10% |
| Peoples State Bank | $140.0M | Risk-based | 28.99% | 28.99% | 29.28% | 11.02% |
| Peer 25th percentile | 11.88% | 11.88% | 12.92% | 10.51% | ||
| Peer median | 14.91% | 14.91% | 16.02% | 11.08% | ||
| Peer 75th percentile | 20.68% | 20.68% | 21.58% | 12.92% | ||
| This bank's percentile | NA | NA | NA | 60 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/284752/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.