Peoples State Bank, Fairmount, North Dakota: 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%.
Retained earnings rose 4.7% from Q1 2026 to Q2 2026, ending at $2.1M against $2.0M. It was the largest change among the key lines on this page. Within North Dakota, Peoples State Bank, Fairmount, North Dakota is 18th of 25 on CET1 ratio, 11.38% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 19.57% on CET1 ratio. Peoples State Bank, Fairmount, North Dakota sits 8.19 points lower, at 11.38% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.38% |
| Tier 1 risk-based capital ratio | 11.38% |
| Total risk-based capital ratio | 12.25% |
| Tier 1 leverage ratio | 8.38% |
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 | $3.3M |
| Tier 1 capital | $3.3M |
| Total risk-based capital | $3.5M |
| Total equity capital | $2.7M |
| Risk-weighted assets | $28.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.91% |
| Tangible equity to tangible assets | 6.91% |
| Equity capital to average assets | 6.85% |
| Internal capital growth rate | 14.36% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $1.0M |
| Retained earnings | $2.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$594K |
| 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 | 9.94% | 9.94% | 10.79% | 8.76% | $27.7M |
| Q4 2023 | 11.06% | 11.06% | 12.01% | 8.16% | $24.7M |
| Q1 2024 | 11.32% | 11.32% | 12.26% | 7.98% | $24.9M |
| Q2 2024 | 11.83% | 11.83% | 12.80% | 7.91% | $24.3M |
| Q3 2024 | 12.23% | 12.23% | 13.22% | 8.51% | $23.8M |
| Q4 2024 | 12.12% | 12.12% | 13.11% | 7.99% | $23.9M |
| Q1 2025 | 12.96% | 12.96% | 13.99% | 8.01% | $22.8M |
| Q2 2025 | 13.27% | 13.27% | 14.29% | 8.37% | $23.0M |
| Q3 2025 | 13.60% | 13.60% | 14.64% | 8.36% | $23.0M |
| Q4 2025 | 12.30% | 12.30% | 13.25% | 8.39% | $25.1M |
| Q1 2026 | 11.32% | 11.32% | 12.22% | 8.32% | $27.9M |
| Q2 2026 | 11.38% | 11.38% | 12.25% | 8.38% | $28.6M |
Peoples State Bank, Fairmount, North Dakota regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples State Bank, Fairmount, North Dakota, 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 Peoples State Bank, Fairmount, North Dakota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17174) · FFIEC NIC profile (RSSD 838155)