Odin 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Retained earnings climbed 35.3% in Q2 2026, from $1.1M to $1.5M. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Odin State Bank is 125th of 162 on CET1 ratio, 11.94% as of Q2 2026. The median for banks in the < $100M asset tier is 19.96% on CET1 ratio. Odin State Bank sits 8.03 points lower, at 11.94% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.94% |
| Tier 1 risk-based capital ratio | 11.94% |
| Total risk-based capital ratio | 13.11% |
| Tier 1 leverage ratio | 8.50% |
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 | $6.8M |
| Tier 1 capital | $6.8M |
| Total risk-based capital | $7.4M |
| Total equity capital | $6.7M |
| Risk-weighted assets | $56.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.18% |
| Tangible equity to tangible assets | 8.18% |
| Equity capital to average assets | 8.46% |
| Internal capital growth rate | 27.34% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $25K |
| Common stock surplus | $5.2M |
| Retained earnings | $1.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$37K |
| 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 | 11.83% | 11.83% | 13.08% | 8.21% | $47.0M |
| Q4 2023 | 11.00% | 11.00% | 12.25% | 7.81% | $52.1M |
| Q1 2024 | 12.33% | 12.33% | 13.58% | 8.54% | $49.5M |
| Q2 2024 | 11.85% | 11.85% | 13.11% | 8.59% | $51.6M |
| Q3 2024 | 12.18% | 12.18% | 13.43% | 8.37% | $51.7M |
| Q4 2024 | 11.84% | 11.84% | 13.07% | 8.42% | $55.0M |
| Q1 2025 | 11.84% | 11.84% | 13.09% | 8.46% | $55.6M |
| Q2 2025 | 12.34% | 12.34% | 13.54% | 8.32% | $54.4M |
| Q3 2025 | 12.15% | 12.15% | 13.32% | 8.49% | $55.8M |
| Q4 2025 | 11.95% | 11.95% | 13.05% | 8.53% | $58.9M |
| Q1 2026 | 11.18% | 11.18% | 12.31% | 7.89% | $57.1M |
| Q2 2026 | 11.94% | 11.94% | 13.11% | 8.50% | $56.8M |
Odin State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Odin 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 Odin State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14574) · FFIEC NIC profile (RSSD 876157)