Prime Security 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%.
Retained earnings dropped 26.0% in Q2 2026, from $1.1M to $813K. It was the largest change from Q1 2026 among the key lines here. On CET1 ratio, Prime Security Bank is 17th from the bottom among 161 Minnesota banks, 10.86% (Q2 2026). Prime Security Bank reported 10.86% on CET1 ratio for Q2 2026, 4.22 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 | 10.86% |
| Tier 1 risk-based capital ratio | 10.86% |
| Total risk-based capital ratio | 11.57% |
| Tier 1 leverage ratio | 8.71% |
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 | $12.8M |
| Tier 1 capital | $12.8M |
| Total risk-based capital | $13.7M |
| Total equity capital | $12.8M |
| Risk-weighted assets | $118.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.26% |
| Tangible equity to tangible assets | 8.26% |
| Equity capital to average assets | 8.67% |
| Internal capital growth rate | 3.35% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $120K |
| Common stock surplus | $11.9M |
| Retained earnings | $813K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$78K |
| 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 | 10.17% | 10.17% | 10.96% | 8.15% | $106.9M |
| Q4 2023 | 10.06% | 10.06% | 10.84% | 8.23% | $108.6M |
| Q1 2024 | 10.13% | 10.13% | 11.01% | 8.26% | $109.1M |
| Q2 2024 | 10.36% | 10.36% | 11.29% | 7.98% | $104.8M |
| Q3 2024 | 10.82% | 10.82% | 11.81% | 8.02% | $101.0M |
| Q4 2024 | 10.56% | 10.56% | 11.56% | 8.30% | $105.3M |
| Q1 2025 | 10.56% | 10.56% | 11.55% | 8.66% | $108.6M |
| Q2 2025 | 11.48% | 11.48% | 12.46% | 8.80% | $109.3M |
| Q3 2025 | 11.47% | 11.47% | 12.44% | 8.83% | $110.2M |
| Q4 2025 | 11.37% | 11.37% | 12.32% | 8.97% | $111.9M |
| Q1 2026 | 11.56% | 11.56% | 12.30% | 9.23% | $113.4M |
| Q2 2026 | 10.86% | 10.86% | 11.57% | 8.71% | $118.1M |
Prime Security Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Prime Security 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 Prime Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10971) · FFIEC NIC profile (RSSD 909756)