State Bank of Bottineau: 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 largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 2.9% to $7.3M. On CET1 ratio, State Bank of Bottineau is 2nd from the bottom among 25 North Dakota banks, 10.51% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. State Bank of Bottineau sits 4.56 points lower, at 10.51% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.51% |
| Tier 1 risk-based capital ratio | 10.51% |
| Total risk-based capital ratio | 11.77% |
| Tier 1 leverage ratio | 8.46% |
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 | $9.9M |
| Tier 1 capital | $9.9M |
| Total risk-based capital | $11.1M |
| Total equity capital | $9.9M |
| Risk-weighted assets | $94.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.43% |
| Tangible equity to tangible assets | 8.43% |
| Equity capital to average assets | 8.46% |
| Internal capital growth rate | 8.43% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $2.4M |
| Retained earnings | $7.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4K |
| 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 | 8.79% | 8.79% | 10.04% | 7.98% | $94.7M |
| Q4 2023 | 9.73% | 9.73% | 10.99% | 8.63% | $89.2M |
| Q1 2024 | 9.40% | 9.40% | 10.65% | 8.31% | $88.2M |
| Q2 2024 | 9.25% | 9.25% | 10.50% | 8.40% | $93.6M |
| Q3 2024 | 9.30% | 9.30% | 10.55% | 8.31% | $98.1M |
| Q4 2024 | 10.25% | 10.25% | 11.51% | 8.76% | $92.7M |
| Q1 2025 | 10.05% | 10.05% | 11.30% | 8.33% | $90.4M |
| Q2 2025 | 9.96% | 9.96% | 11.21% | 8.57% | $94.5M |
| Q3 2025 | 9.78% | 9.78% | 11.03% | 8.29% | $100.1M |
| Q4 2025 | 10.49% | 10.49% | 11.74% | 8.65% | $97.0M |
| Q1 2026 | 10.32% | 10.32% | 11.58% | 8.29% | $93.8M |
| Q2 2026 | 10.51% | 10.51% | 11.77% | 8.46% | $94.1M |
State Bank of Bottineau regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Bottineau, 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 Bottineau profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9121) · FFIEC NIC profile (RSSD 1014554)