Rivers Edge 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 rose 6.1% from Q1 2026 to Q2 2026, ending at $17.9M against $16.9M. It was the largest change among the key lines on this page. On CET1 ratio, Rivers Edge Bank is 2nd from the bottom among 36 South Dakota banks, 10.33% (Q2 2026). Rivers Edge Bank reported 10.33% on CET1 ratio for Q2 2026, 4.74 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 | 10.33% |
| Tier 1 risk-based capital ratio | 10.33% |
| Total risk-based capital ratio | 11.58% |
| Tier 1 leverage ratio | 8.30% |
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 | $29.2M |
| Tier 1 capital | $29.2M |
| Total risk-based capital | $32.7M |
| Total equity capital | $32.5M |
| Risk-weighted assets | $282.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.09% |
| Tangible equity to tangible assets | 8.14% |
| Equity capital to average assets | 9.13% |
| Internal capital growth rate | 13.04% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $504K |
| Common stock surplus | $14.5M |
| Retained earnings | $17.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$445K |
| 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 | 10.82% | 10.82% | 11.96% | 8.13% | $210.2M |
| Q4 2023 | 10.73% | 10.73% | 11.86% | 8.01% | $213.5M |
| Q1 2024 | 11.11% | 11.11% | 12.26% | 8.02% | $208.8M |
| Q2 2024 | 10.77% | 10.77% | 11.86% | 7.87% | $217.1M |
| Q3 2024 | 10.76% | 10.76% | 11.86% | 7.96% | $222.0M |
| Q4 2024 | 10.68% | 10.68% | 11.77% | 8.02% | $229.0M |
| Q1 2025 | 10.81% | 10.81% | 11.93% | 8.20% | $231.5M |
| Q2 2025 | 10.64% | 10.64% | 11.81% | 8.16% | $240.9M |
| Q3 2025 | 10.28% | 10.28% | 11.48% | 8.31% | $256.5M |
| Q4 2025 | 10.44% | 10.44% | 11.61% | 8.46% | $264.7M |
| Q1 2026 | 10.15% | 10.15% | 11.40% | 8.37% | $277.5M |
| Q2 2026 | 10.33% | 10.33% | 11.58% | 8.30% | $282.7M |
Rivers Edge Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Rivers Edge 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 Rivers Edge Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9935) · FFIEC NIC profile (RSSD 474450)