Starion 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: 9.0% lower than in Q1 2026, at -$32.1M. Starion Bank ranks 10th of 25 North Dakota banks on CET1 ratio, in the upper half at 14.03% (Q2 2026). Starion Bank reported 14.03% on CET1 ratio for Q2 2026, 0.55 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.03% |
| Tier 1 risk-based capital ratio | 14.03% |
| Total risk-based capital ratio | 15.29% |
| Tier 1 leverage ratio | 9.45% |
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 | $203.1M |
| Tier 1 capital | $203.1M |
| Total risk-based capital | $221.2M |
| Total equity capital | $176.1M |
| Risk-weighted assets | $1.45B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.39% |
| Tangible equity to tangible assets | 8.17% |
| Equity capital to average assets | 8.17% |
| Internal capital growth rate | 5.13% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $490K |
| Common stock surplus | $20.1M |
| Retained earnings | $187.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$32.1M |
| 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 | 13.01% | 13.01% | 14.26% | 9.56% | $1.38B |
| Q4 2023 | 13.10% | 13.10% | 14.35% | 9.62% | $1.40B |
| Q1 2024 | 13.02% | 13.02% | 14.27% | 9.65% | $1.42B |
| Q2 2024 | 13.06% | 13.06% | 14.31% | 9.68% | $1.43B |
| Q3 2024 | 13.18% | 13.18% | 14.43% | 9.74% | $1.41B |
| Q4 2024 | 13.26% | 13.26% | 14.51% | 9.38% | $1.41B |
| Q1 2025 | 13.69% | 13.69% | 14.94% | 9.10% | $1.39B |
| Q2 2025 | 13.74% | 13.74% | 14.99% | 8.83% | $1.40B |
| Q3 2025 | 13.82% | 13.82% | 15.07% | 9.47% | $1.40B |
| Q4 2025 | 13.78% | 13.78% | 15.04% | 9.42% | $1.43B |
| Q1 2026 | 13.86% | 13.86% | 15.11% | 9.48% | $1.45B |
| Q2 2026 | 14.03% | 14.03% | 15.29% | 9.45% | $1.45B |
Starion Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Starion 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 Starion Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33758) · FFIEC NIC profile (RSSD 2009605)