Pine Country 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 standout move of Q2 2026 was in Accumulated other comprehensive income: 89.4% lower than in Q1 2026, at -$3.4M. Pine Country Bank ranks 77th of 161 Minnesota banks on CET1 ratio, in the upper half at 14.31% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Pine Country Bank sits 0.76 points lower, at 14.31% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.31% |
| Tier 1 risk-based capital ratio | 14.31% |
| Total risk-based capital ratio | 15.30% |
| Tier 1 leverage ratio | 10.24% |
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 | $38.0M |
| Tier 1 capital | $38.0M |
| Total risk-based capital | $40.7M |
| Total equity capital | $43.9M |
| Risk-weighted assets | $265.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.54% |
| Tangible equity to tangible assets | 9.33% |
| Equity capital to average assets | 11.52% |
| Internal capital growth rate | -9.08% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $107K |
| Common stock surplus | $39.5M |
| Retained earnings | $7.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.4M |
| 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 | 14.04% | 14.04% | 15.16% | 9.69% | $168.3M |
| Q4 2023 | 14.57% | 14.57% | 15.70% | 9.97% | $167.1M |
| Q1 2024 | 14.13% | 14.13% | 15.25% | 9.87% | $168.5M |
| Q2 2024 | 14.48% | 14.48% | 15.58% | 10.35% | $170.7M |
| Q3 2024 | 14.93% | 14.93% | 16.03% | 10.46% | $171.4M |
| Q4 2024 | 13.12% | 13.12% | 14.23% | 9.13% | $170.4M |
| Q1 2025 | 14.21% | 14.21% | 15.29% | 9.52% | $251.4M |
| Q2 2025 | 14.11% | 14.11% | 15.20% | 9.44% | $250.7M |
| Q3 2025 | 14.17% | 14.17% | 15.23% | 9.67% | $257.1M |
| Q4 2025 | 14.47% | 14.47% | 15.48% | 9.87% | $261.3M |
| Q1 2026 | 14.94% | 14.94% | 15.94% | 10.46% | $261.7M |
| Q2 2026 | 14.31% | 14.31% | 15.30% | 10.24% | $265.8M |
Pine Country Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Pine Country 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 Pine Country Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13652) · FFIEC NIC profile (RSSD 761459)