State Bank of Bellingham: 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%.
Accumulated other comprehensive income dropped 32.4% in Q3 2026, from -$1.7M to -$2.3M. It was the largest change from Q2 2026 among the key lines here. Among 161 Minnesota banks, State Bank of Bellingham sits 14th from the top on CET1 ratio, 25.13% as of Q3 2026. The median for banks in the < $100M asset tier is 19.57% on CET1 ratio. State Bank of Bellingham sits 5.57 points higher, at 25.13% (Q3 2026); the peer median is as of Q2 2026.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 25.13% |
| Tier 1 risk-based capital ratio | 25.13% |
| Total risk-based capital ratio | 26.14% |
| Tier 1 leverage ratio | 15.31% |
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 | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $7.1M |
| Tier 1 capital | $7.1M |
| Total risk-based capital | $7.4M |
| Total equity capital | $4.8M |
| Risk-weighted assets | $28.3M |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 10.72% |
| Tangible equity to tangible assets | 10.72% |
| Equity capital to average assets | 10.40% |
| Internal capital growth rate | -3.68% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $66K |
| Common stock surplus | $5.4M |
| Retained earnings | $1.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.3M |
| 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 |
|---|---|---|---|---|---|
| Q4 2023 | 18.78% | 18.78% | 19.57% | 13.07% | $37.4M |
| Q1 2024 | 18.26% | 18.26% | 19.04% | 12.56% | $37.8M |
| Q2 2024 | 19.77% | 19.77% | 20.62% | 12.92% | $34.7M |
| Q3 2024 | 19.98% | 19.98% | 20.82% | 13.35% | $34.9M |
| Q4 2024 | 21.73% | 21.73% | 22.63% | 13.94% | $32.9M |
| Q1 2025 | 19.62% | 19.62% | 20.44% | 13.17% | $35.8M |
| Q2 2025 | 22.28% | 22.28% | 23.22% | 13.40% | $31.6M |
| Q3 2025 | 23.11% | 23.11% | 24.08% | 14.48% | $30.6M |
| Q4 2025 | 21.81% | 21.81% | 22.71% | 14.29% | $32.6M |
| Q1 2026 | 22.90% | 22.90% | 23.85% | 14.26% | $31.1M |
| Q2 2026 | 24.33% | 24.33% | 25.34% | 14.81% | $29.4M |
| Q3 2026 | 25.13% | 25.13% | 26.14% | 15.31% | $28.3M |
State Bank of Bellingham regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Bellingham, 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 State Bank of Bellingham profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17062) · FFIEC NIC profile (RSSD 272058)