State Bank Northwest: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 9.59% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 9.59% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 16.79% +10.29 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $30.0M | 30,001 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $178.7M | 178,704 | RCOAA223 |
| Recomputed ratio | 16.79% | numerator / denominator | |
| Filed ratio | 16.79% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +10.29 pp | $18.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 16.79% +8.79 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $30.0M | 30,001 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $178.7M | 178,704 | RCOAA223 |
| Recomputed ratio | 16.79% | numerator / denominator | |
| Filed ratio | 16.79% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +8.79 pp | $15.7M | capital that could be lost first |
Total risk-based capital ratio 17.59% +7.59 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $31.4M | 31,435 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $178.7M | 178,704 | RCOAA223 |
| Recomputed ratio | 17.59% | numerator / denominator | |
| Filed ratio | 17.59% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +7.59 pp | $13.6M | capital that could be lost first |
Tier 1 leverage ratio 13.93% +8.93 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $30.0M | 30,001 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $215.4M | 215,406 | RCOAA224 |
| Recomputed ratio | 13.93% | numerator / denominator | |
| Filed ratio | 13.93% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +8.93 pp | $19.2M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 9,059 | 9,059 | 9,059 | 9,059 | 9,059 | 9,059 | RCOAP742 |
| Retained earnings | 21,060 | 22,792 | 21,462 | 20,611 | 19,194 | 20,795 | RCOAKW00 |
| Accumulated other comprehensive income | (118) | (72) | (34) | (40) | (47) | (49) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 30,001 | 31,779 | 30,487 | 29,630 | 28,206 | 29,805 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 0 | 0 | 39 | 40 | 47 | 49 | P859 - P840 |
| Common equity Tier 1 capital | 30,001 | 31,779 | 30,526 | 29,670 | 28,253 | 29,854 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 30,001 | 31,779 | 30,526 | 29,670 | 28,253 | 29,854 | RCOA8274 |
| Tier 2 capital | 1,434 | 1,434 | 1,434 | 1,434 | 1,434 | 1,434 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,434 | 1,434 | 1,434 | 1,434 | 1,434 | 1,434 | RCOA5310 |
| Total capital | 31,435 | 33,213 | 31,960 | 31,104 | 29,687 | 31,288 | RCOA3792 |
| Total risk-weighted assets | 178,704 | 177,265 | 182,697 | 182,474 | 185,716 | 183,995 | RCOAA223 |
| Average total assets for the leverage ratio | 215,406 | 224,376 | 235,412 | 221,567 | 230,377 | 226,740 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $4.9M | $551K | 11.26% | 0.31% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $7.2M | $1.3M | 18.33% | 0.74% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $16.1M | $3.2M | 20.00% | 1.80% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $34.5M | $17.2M | 50.00% | 9.64% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $77K | $77K | 100.00% | 0.04% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $132.2M | $126.6M | 95.73% | 70.83% | RC-R Part II, item 4.d, 5.d |
| All other assets | $12.8M | $12.7M | 99.13% | 7.12% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $17.0M | $17.0M | 100.00% | 9.51% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $900 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $178.7M | ties to item 31 ($178.7M) |
|---|---|---|
| Risk-weighted assets before deductions | $178.7M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $178.7M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 16.79% | 16.79% | 17.59% | 13.93% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 17.93% | 17.93% | 18.74% | 14.16% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 16.71% | 16.71% | 17.49% | 12.97% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 16.26% | 16.26% | 17.05% | 13.39% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 15.21% | 15.21% | 15.99% | 12.26% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 16.23% | 16.23% | 17.00% | 13.17% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 15.14% | 15.14% | 15.91% | 12.42% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 14.61% | 14.61% | 15.35% | 12.95% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 14.57% | 14.57% | 15.35% | 12.34% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 15.35% | 15.35% | 16.16% | 12.42% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 15.20% | 15.20% | 16.04% | 11.22% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 13.73% | 13.73% | 14.53% | 11.26% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| State Bank Northwest (this bank) | Risk-based | 16.79% | 16.79% | 17.59% | 13.93% | |
| Union State Bank | $206.2M | CBLR | NA | NA | NA | 10.29% |
| Wadena State Bank | $206.6M | CBLR | NA | NA | NA | 9.84% |
| Fwbank | $206.7M | CBLR | NA | NA | NA | 12.51% |
| Murphy-Wall State Bank and Trust Company | $206.1M | CBLR | NA | NA | NA | 11.01% |
| Badger Bank | $206.0M | CBLR | NA | NA | NA | 12.40% |
| Liberty Bank | $206.0M | Risk-based | 12.41% | 12.41% | 13.29% | 9.35% |
| The Halstead Bank | $205.9M | Risk-based | 11.32% | 11.32% | 12.57% | 8.56% |
| Town & Country Bank | $206.9M | CBLR | NA | NA | NA | 14.86% |
| Spring Valley City Bank | $207.0M | Risk-based | 23.82% | 23.82% | 25.08% | 13.86% |
| Peer 25th percentile | 11.86% | 11.86% | 12.93% | 9.84% | ||
| Peer median | 12.41% | 12.41% | 13.29% | 11.01% | ||
| Peer 75th percentile | 18.12% | 18.12% | 19.18% | 12.51% | ||
| This bank's percentile | 67 | 67 | 67 | 89 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/479071/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.