Sentry 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%.
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.
Retained earnings climbed 11.1% in Q2 2026, from $11.9M to $13.2M. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Sentry Bank is 145th of 162 on CET1 ratio, 11.00% as of Q2 2026. Sentry Bank reported 11.00% on CET1 ratio for Q2 2026, 4.08 points below 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 | 11.00% |
| Tier 1 risk-based capital ratio | 11.00% |
| Total risk-based capital ratio | 12.25% |
| Tier 1 leverage ratio | 8.66% |
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 | $33.7M |
| Tier 1 capital | $33.7M |
| Total risk-based capital | $37.5M |
| Total equity capital | $37.0M |
| Risk-weighted assets | $305.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.89% |
| Tangible equity to tangible assets | 7.32% |
| Equity capital to average assets | 9.34% |
| Internal capital growth rate | 14.98% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $27.4M |
| Retained earnings | $13.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.7M |
| 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 | — | — | — | 8.85% | — |
| Q4 2023 | — | — | — | 9.05% | — |
| Q1 2024 | — | — | — | 8.54% | — |
| Q2 2024 | — | — | — | 8.67% | — |
| Q3 2024 | — | — | — | 9.11% | — |
| Q4 2024 | — | — | — | 9.42% | — |
| Q1 2025 | — | — | — | 9.03% | — |
| Q2 2025 | — | — | — | 9.13% | — |
| Q3 2025 | — | — | — | 9.00% | — |
| Q4 2025 | — | — | — | 8.98% | — |
| Q1 2026 | 11.17% | 11.17% | 12.42% | 8.65% | $289.4M |
| Q2 2026 | 11.00% | 11.00% | 12.25% | 8.66% | $305.8M |
Sentry Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Sentry 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 Sentry Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8546) · FFIEC NIC profile (RSSD 746157)