Solutions North 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.
The largest change between Q1 2026 and Q2 2026 was in Tangible equity to tangible assets, which rose 0.44 percentage points to 10.56%. Solutions North Bank ranks 44th of 86 Kansas banks on CET1 ratio, in the lower half at 14.28% (Q2 2026). Solutions North Bank reported 14.28% on CET1 ratio for Q2 2026, 0.80 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 | 14.28% |
| Tier 1 risk-based capital ratio | 14.28% |
| Total risk-based capital ratio | 15.54% |
| Tier 1 leverage ratio | 10.90% |
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 | $51.0M |
| Tier 1 capital | $51.0M |
| Total risk-based capital | $55.5M |
| Total equity capital | $57.9M |
| Risk-weighted assets | $357.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.33% |
| Tangible equity to tangible assets | 10.56% |
| Equity capital to average assets | 12.11% |
| Internal capital growth rate | 2.79% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.7M |
| Common stock surplus | $35.7M |
| Retained earnings | $22.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.5M |
| 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 | 16.35% | 16.35% | 17.60% | 13.07% | $247.6M |
| Q4 2023 | 15.94% | 15.94% | 17.19% | 13.03% | $254.4M |
| Q1 2024 | 16.50% | 16.50% | 17.75% | 13.27% | $250.8M |
| Q2 2024 | 16.61% | 16.61% | 17.86% | 13.76% | $253.4M |
| Q3 2024 | 11.69% | 11.69% | 12.94% | 9.14% | $373.5M |
| Q4 2024 | 12.74% | 12.74% | 13.99% | 9.29% | $351.1M |
| Q1 2025 | 13.15% | 13.15% | 14.40% | 9.44% | $348.9M |
| Q2 2025 | 13.12% | 13.12% | 14.37% | 10.13% | $359.2M |
| Q3 2025 | 13.53% | 13.53% | 14.78% | 10.60% | $358.5M |
| Q4 2025 | 13.17% | 13.17% | 14.42% | 10.50% | $367.9M |
| Q1 2026 | 14.03% | 14.03% | 15.29% | 10.53% | $358.8M |
| Q2 2026 | 14.28% | 14.28% | 15.54% | 10.90% | $357.4M |
Solutions North Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Solutions North 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 Solutions North Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16971) · FFIEC NIC profile (RSSD 612159)