Premier Bank Minnesota: 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 Retained earnings: 15.7% higher than in Q1 2026, at $12.0M. Premier Bank Minnesota ranks 110th of 161 Minnesota banks on CET1 ratio, in the lower half at 12.43% (Q2 2026). Premier Bank Minnesota reported 12.43% on CET1 ratio for Q2 2026, 2.64 points below 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 | 12.43% |
| Tier 1 risk-based capital ratio | 12.43% |
| Total risk-based capital ratio | 13.68% |
| Tier 1 leverage ratio | 10.02% |
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 | $67.8M |
| Tier 1 capital | $67.8M |
| Total risk-based capital | $74.7M |
| Total equity capital | $66.5M |
| Risk-weighted assets | $545.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.61% |
| Tangible equity to tangible assets | 9.58% |
| Equity capital to average assets | 9.81% |
| Internal capital growth rate | 10.05% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.1M |
| Common stock surplus | $53.9M |
| Retained earnings | $12.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.6M |
| 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 | 12.13% | 12.13% | 13.30% | 10.08% | $542.7M |
| Q4 2023 | 12.07% | 12.07% | 13.27% | 10.07% | $553.5M |
| Q1 2024 | 12.15% | 12.15% | 13.38% | 10.12% | $561.8M |
| Q2 2024 | 12.35% | 12.35% | 13.60% | 10.05% | $552.7M |
| Q3 2024 | 12.66% | 12.66% | 13.91% | 10.21% | $547.5M |
| Q4 2024 | 12.87% | 12.87% | 14.12% | 10.44% | $550.6M |
| Q1 2025 | 13.26% | 13.26% | 14.51% | 10.81% | $555.9M |
| Q2 2025 | 13.37% | 13.37% | 14.62% | 10.86% | $559.6M |
| Q3 2025 | 13.79% | 13.79% | 15.04% | 11.16% | $558.8M |
| Q4 2025 | 14.01% | 14.01% | 15.26% | 11.22% | $562.6M |
| Q1 2026 | 11.90% | 11.90% | 13.15% | 9.73% | $556.4M |
| Q2 2026 | 12.43% | 12.43% | 13.68% | 10.02% | $545.9M |
Premier Bank Minnesota regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Premier Bank Minnesota, 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 Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33204) · FFIEC NIC profile (RSSD 1481745)