Premier 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Compared with Q1 2026, Retained earnings fell 7.2% in Q2 2026 to $39.8M, the biggest move on this page. Within Minnesota, Premier Bank is 109th of 162 on CET1 ratio, 12.48% as of Q2 2026. Premier Bank reported 12.48% on CET1 ratio for Q2 2026, 1.01 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.48% |
| Tier 1 risk-based capital ratio | 12.48% |
| Total risk-based capital ratio | 13.74% |
| 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 | $117.3M |
| Tier 1 capital | $117.3M |
| Total risk-based capital | $129.0M |
| Total equity capital | $113.3M |
| Risk-weighted assets | $939.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.57% |
| Tangible equity to tangible assets | 9.57% |
| Equity capital to average assets | 9.89% |
| Internal capital growth rate | -10.54% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $919K |
| Common stock surplus | $76.6M |
| Retained earnings | $39.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.0M |
| 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 | 12.17% | 12.17% | 13.42% | 10.53% | $887.1M |
| Q4 2023 | 11.84% | 11.84% | 13.08% | 10.40% | $916.9M |
| Q1 2024 | 12.19% | 12.19% | 13.42% | 10.49% | $920.3M |
| Q2 2024 | 11.61% | 11.61% | 12.86% | 9.95% | $927.4M |
| Q3 2024 | 12.13% | 12.13% | 13.39% | 10.32% | $919.5M |
| Q4 2024 | 12.47% | 12.47% | 13.72% | 10.09% | $896.2M |
| Q1 2025 | 13.08% | 13.08% | 14.33% | 10.50% | $887.8M |
| Q2 2025 | 12.93% | 12.93% | 14.18% | 10.38% | $871.7M |
| Q3 2025 | 13.15% | 13.15% | 14.40% | 10.94% | $896.4M |
| Q4 2025 | 12.66% | 12.66% | 13.92% | 10.37% | $904.9M |
| Q1 2026 | 12.80% | 12.80% | 14.05% | 10.13% | $940.2M |
| Q2 2026 | 12.48% | 12.48% | 13.74% | 10.24% | $939.3M |
Premier Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Premier 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 Premier Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21714) · FFIEC NIC profile (RSSD 33259)