Perennial 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 climbed 12.4% in Q2 2026, from -$2.9M to -$2.5M. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Perennial Bank is 21st of 161 on CET1 ratio, 23.66% as of Q2 2026, above the middle of the field. Against a median of 15.07% for banks in the $100M-1B asset tier, Perennial Bank reported 23.66% on CET1 ratio in Q2 2026, 8.59 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 23.66% |
| Tier 1 risk-based capital ratio | 23.66% |
| Total risk-based capital ratio | 24.91% |
| Tier 1 leverage ratio | 9.48% |
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 | $15.2M |
| Tier 1 capital | $15.2M |
| Total risk-based capital | $16.0M |
| Total equity capital | $12.7M |
| Risk-weighted assets | $64.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.03% |
| Tangible equity to tangible assets | 8.03% |
| Equity capital to average assets | 7.91% |
| Internal capital growth rate | 5.02% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $250K |
| Common stock surplus | $7.2M |
| Retained earnings | $7.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.5M |
| 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 | 22.15% | 22.15% | 23.18% | 8.77% | $58.5M |
| Q4 2023 | 23.22% | 23.22% | 24.39% | 8.99% | $56.4M |
| Q1 2024 | 23.36% | 23.36% | 24.60% | 9.27% | $56.9M |
| Q2 2024 | 23.08% | 23.08% | 24.33% | 9.63% | $58.1M |
| Q3 2024 | 23.10% | 23.10% | 24.35% | 9.74% | $59.0M |
| Q4 2024 | 22.93% | 22.93% | 24.13% | 9.72% | $60.6M |
| Q1 2025 | 23.11% | 23.11% | 24.36% | 9.89% | $61.6M |
| Q2 2025 | 22.42% | 22.42% | 23.67% | 9.83% | $64.2M |
| Q3 2025 | 22.67% | 22.67% | 23.92% | 9.58% | $63.9M |
| Q4 2025 | 22.96% | 22.96% | 24.21% | 9.36% | $64.3M |
| Q1 2026 | 24.18% | 24.18% | 25.43% | 9.41% | $62.3M |
| Q2 2026 | 23.66% | 23.66% | 24.91% | 9.48% | $64.3M |
Perennial Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Perennial 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 Perennial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1413) · FFIEC NIC profile (RSSD 344852)