Pine River 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 Risk-weighted assets, which rose 5.9% to $95.1M. Within Minnesota, Pine River State Bank is 49th of 161 on CET1 ratio, 16.36% as of Q2 2026, above the middle of the field. Pine River State Bank reported 16.36% on CET1 ratio for Q2 2026, 1.29 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.36% |
| Tier 1 risk-based capital ratio | 16.36% |
| Total risk-based capital ratio | 17.61% |
| Tier 1 leverage ratio | 8.48% |
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 | $15.6M |
| Tier 1 capital | $15.6M |
| Total risk-based capital | $16.8M |
| Total equity capital | $15.1M |
| Risk-weighted assets | $95.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.17% |
| Tangible equity to tangible assets | 8.17% |
| Equity capital to average assets | 8.24% |
| Internal capital growth rate | 6.60% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $7.9M |
| Retained earnings | $7.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$431K |
| 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 | 14.17% | 14.17% | 15.39% | 7.32% | $92.3M |
| Q4 2023 | 14.15% | 14.15% | 15.35% | 7.52% | $93.8M |
| Q1 2024 | 14.81% | 14.81% | 16.06% | 8.01% | $90.4M |
| Q2 2024 | 14.73% | 14.73% | 15.98% | 8.16% | $91.9M |
| Q3 2024 | 14.89% | 14.89% | 16.14% | 7.85% | $92.5M |
| Q4 2024 | 15.36% | 15.36% | 16.61% | 8.02% | $91.9M |
| Q1 2025 | 15.23% | 15.23% | 16.48% | 8.35% | $93.8M |
| Q2 2025 | 14.18% | 14.18% | 15.35% | 8.26% | $102.6M |
| Q3 2025 | 16.09% | 16.09% | 17.34% | 8.07% | $92.4M |
| Q4 2025 | 16.93% | 16.93% | 18.18% | 8.19% | $91.0M |
| Q1 2026 | 17.06% | 17.06% | 18.31% | 8.22% | $89.8M |
| Q2 2026 | 16.36% | 16.36% | 17.61% | 8.48% | $95.1M |
Pine River State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Pine River 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 Pine River State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10194) · FFIEC NIC profile (RSSD 729057)