Park 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%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which rose 6.3% to -$5.9M. Within Minnesota, Park State Bank is 71st of 161 on CET1 ratio, 14.94% as of Q2 2026, above the middle of the field. Park State Bank reported 14.94% on CET1 ratio for Q2 2026, 1.46 points above 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 | 14.94% |
| Tier 1 risk-based capital ratio | 14.94% |
| Total risk-based capital ratio | 15.80% |
| Tier 1 leverage ratio | 9.89% |
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 | $147.1M |
| Tier 1 capital | $147.1M |
| Total risk-based capital | $155.6M |
| Total equity capital | $146.8M |
| Risk-weighted assets | $985.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.83% |
| Tangible equity to tangible assets | 9.37% |
| Equity capital to average assets | 9.83% |
| Internal capital growth rate | 3.77% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $85.1M |
| Retained earnings | $67.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.9M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.01% | 13.01% | 14.14% | 10.11% | $915.5M |
| Q4 2023 | 13.05% | 13.05% | 14.18% | 9.87% | $921.6M |
| Q1 2024 | 13.22% | 13.22% | 14.32% | 9.68% | $943.9M |
| Q2 2024 | 13.82% | 13.82% | 14.84% | 9.62% | $939.1M |
| Q3 2024 | 13.96% | 13.96% | 15.00% | 9.57% | $957.3M |
| Q4 2024 | 14.42% | 14.42% | 15.43% | 9.66% | $949.9M |
| Q1 2025 | 15.13% | 15.13% | 16.16% | 9.99% | $936.2M |
| Q2 2025 | 15.89% | 15.89% | 16.88% | 10.31% | $924.0M |
| Q3 2025 | 16.09% | 16.09% | 17.16% | 10.62% | $917.3M |
| Q4 2025 | 14.73% | 14.73% | 15.75% | 9.98% | $969.8M |
| Q1 2026 | 14.77% | 14.77% | 15.76% | 9.81% | $984.9M |
| Q2 2026 | 14.94% | 14.94% | 15.80% | 9.89% | $985.0M |
Park State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Park 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 Park State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8851) · FFIEC NIC profile (RSSD 286457)