Rushford State Bank (Incorporated): 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 Common stock surplus: 135.9% higher than in Q1 2026, at $9.2M. Rushford State Bank (Incorporated) ranks 94th of 161 Minnesota banks on CET1 ratio, in the lower half at 13.38% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Rushford State Bank (Incorporated) sits 1.69 points lower, at 13.38% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.38% |
| Tier 1 risk-based capital ratio | 13.38% |
| Total risk-based capital ratio | 14.24% |
| Tier 1 leverage ratio | 7.02% |
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 | $7.8M |
| Tier 1 capital | $7.8M |
| Total risk-based capital | $8.3M |
| Total equity capital | $9.6M |
| Risk-weighted assets | $57.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.34% |
| Tangible equity to tangible assets | 6.90% |
| Equity capital to average assets | 8.53% |
| Internal capital growth rate | 3.32% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $9.2M |
| Retained earnings | $229K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $37K |
| 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 | 10.78% | 10.78% | 12.03% | 5.50% | $51.9M |
| Q4 2023 | 10.27% | 10.27% | 11.52% | 5.56% | $55.1M |
| Q1 2024 | 10.63% | 10.63% | 11.89% | 5.69% | $53.3M |
| Q2 2024 | 10.32% | 10.32% | 11.58% | 5.86% | $55.7M |
| Q3 2024 | 10.88% | 10.88% | 12.13% | 6.22% | $54.7M |
| Q4 2024 | 11.76% | 11.76% | 12.60% | 6.63% | $55.6M |
| Q1 2025 | 11.72% | 11.72% | 12.54% | 6.52% | $57.0M |
| Q2 2025 | 11.73% | 11.73% | 12.53% | 6.57% | $58.8M |
| Q3 2025 | 11.80% | 11.80% | 12.57% | 6.91% | $60.8M |
| Q4 2025 | 12.44% | 12.44% | 13.23% | 6.85% | $59.5M |
| Q1 2026 | 12.85% | 12.85% | 13.66% | 6.84% | $58.9M |
| Q2 2026 | 13.38% | 13.38% | 14.24% | 7.02% | $57.9M |
Rushford State Bank (Incorporated) regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Rushford State Bank (Incorporated), 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 Rushford State Bank (Incorporated) profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11411) · FFIEC NIC profile (RSSD 884657)