Progrowth 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 Equity capital to average assets, which rose 0.61 percentage points to 5.31%. Within Minnesota, Progrowth Bank is 28th of 161 on CET1 ratio, 20.01% as of Q2 2026, above the middle of the field. Progrowth Bank reported 20.01% on CET1 ratio for Q2 2026, 4.93 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 | 20.01% |
| Tier 1 risk-based capital ratio | 20.01% |
| Total risk-based capital ratio | 20.50% |
| Tier 1 leverage ratio | 7.09% |
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 | $26.6M |
| Tier 1 capital | $26.6M |
| Total risk-based capital | $27.2M |
| Total equity capital | $19.9M |
| Risk-weighted assets | $132.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 5.45% |
| Tangible equity to tangible assets | 5.45% |
| Equity capital to average assets | 5.31% |
| Internal capital growth rate | 0.90% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $140K |
| Common stock surplus | $19.9M |
| Retained earnings | $7.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.2M |
| 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 | 20.63% | 20.63% | 21.11% | 7.95% | $135.1M |
| Q4 2023 | 19.66% | 19.66% | 20.12% | 7.36% | $139.3M |
| Q1 2024 | 20.27% | 20.27% | 20.73% | 7.10% | $139.3M |
| Q2 2024 | 20.10% | 20.10% | 20.54% | 7.29% | $145.1M |
| Q3 2024 | 21.25% | 21.25% | 21.70% | 7.27% | $141.0M |
| Q4 2024 | 20.02% | 20.02% | 20.46% | 7.27% | $144.1M |
| Q1 2025 | 20.28% | 20.28% | 20.73% | 7.39% | $144.8M |
| Q2 2025 | 17.64% | 17.64% | 18.02% | 7.12% | $169.0M |
| Q3 2025 | 19.18% | 19.18% | 19.60% | 7.25% | $157.6M |
| Q4 2025 | 18.47% | 18.47% | 18.89% | 6.85% | $158.1M |
| Q1 2026 | 19.36% | 19.36% | 19.84% | 6.41% | $137.0M |
| Q2 2026 | 20.01% | 20.01% | 20.50% | 7.09% | $132.8M |
Progrowth Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Progrowth 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 Progrowth Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8536) · FFIEC NIC profile (RSSD 751254)