Prinsbank: 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.
The standout move of Q2 2026 was in Retained earnings: 25.6% higher than in Q1 2026, at $16.2M. Within Minnesota, Prinsbank is 38th of 162 on CET1 ratio, 17.59% as of Q2 2026. Prinsbank reported 17.59% on CET1 ratio for Q2 2026, 2.51 points above the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.59% |
| Tier 1 risk-based capital ratio | 17.59% |
| Total risk-based capital ratio | 18.89% |
| Tier 1 leverage ratio | 11.99% |
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 | $35.7M |
| Tier 1 capital | $35.7M |
| Total risk-based capital | $38.3M |
| Total equity capital | $37.7M |
| Risk-weighted assets | $202.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.23% |
| Tangible equity to tangible assets | 11.65% |
| Equity capital to average assets | 12.59% |
| Internal capital growth rate | 38.40% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $21.4M |
| Retained earnings | $16.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12K |
| 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 | 20.53% | 20.53% | 21.85% | 16.02% | $145.4M |
| Q4 2023 | 20.51% | 20.51% | 21.83% | 15.97% | $149.1M |
| Q1 2024 | 20.80% | 20.80% | 22.13% | 15.87% | $142.6M |
| Q2 2024 | 21.58% | 21.58% | 22.91% | 16.21% | $142.5M |
| Q3 2024 | 21.07% | 21.07% | 22.40% | 15.72% | $148.5M |
| Q4 2024 | 22.45% | 22.45% | 23.78% | 16.13% | $143.9M |
| Q1 2025 | 22.69% | 22.69% | 24.03% | 15.03% | $140.4M |
| Q2 2025 | 23.10% | 23.10% | 24.44% | 15.29% | $142.1M |
| Q3 2025 | 15.94% | 15.94% | 17.28% | 11.06% | $148.5M |
| Q4 2025 | 16.02% | 16.02% | 17.35% | 11.89% | $153.1M |
| Q1 2026 | 16.69% | 16.69% | 18.01% | 10.76% | $192.4M |
| Q2 2026 | 17.59% | 17.59% | 18.89% | 11.99% | $202.8M |
Prinsbank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Prinsbank, 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 Prinsbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10191) · FFIEC NIC profile (RSSD 787459)