Star 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 standout move of Q2 2026 was in Accumulated other comprehensive income: 7.6% higher than in Q1 2026, at -$1.1M. On CET1 ratio, Star Bank is 13th from the bottom among 161 Minnesota banks, 10.73% (Q2 2026). Star Bank reported 10.73% on CET1 ratio for Q2 2026, 4.34 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 | 10.73% |
| Tier 1 risk-based capital ratio | 10.73% |
| Total risk-based capital ratio | 11.75% |
| Tier 1 leverage ratio | 9.29% |
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 | $41.7M |
| Tier 1 capital | $41.7M |
| Total risk-based capital | $45.7M |
| Total equity capital | $44.2M |
| Risk-weighted assets | $388.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.91% |
| Tangible equity to tangible assets | 9.19% |
| Equity capital to average assets | 9.76% |
| Internal capital growth rate | 8.57% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $28.3M |
| Retained earnings | $16.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | 11.02% | 11.02% | 12.27% | 9.85% | $324.9M |
| Q4 2023 | 11.07% | 11.07% | 12.32% | 9.74% | $332.5M |
| Q1 2024 | 11.05% | 11.05% | 12.28% | 9.80% | $336.8M |
| Q2 2024 | 8.82% | 8.82% | 9.89% | 8.84% | $390.7M |
| Q3 2024 | 9.71% | 9.71% | 10.76% | 9.02% | $401.7M |
| Q4 2024 | 9.97% | 9.97% | 10.97% | 9.10% | $412.2M |
| Q1 2025 | 10.33% | 10.33% | 11.41% | 9.41% | $407.5M |
| Q2 2025 | 9.67% | 9.67% | 10.71% | 8.92% | $409.9M |
| Q3 2025 | 9.94% | 9.94% | 10.99% | 9.10% | $409.9M |
| Q4 2025 | 10.23% | 10.23% | 11.25% | 9.04% | $405.1M |
| Q1 2026 | 10.50% | 10.50% | 11.49% | 9.01% | $388.1M |
| Q2 2026 | 10.73% | 10.73% | 11.75% | 9.29% | $388.6M |
Star Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Star 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 Star Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5095) · FFIEC NIC profile (RSSD 715050)