State Bank of Cold Spring: 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%.
Risk-weighted assets rose 3.3% from Q1 2026 to Q2 2026, ending at $41.2M against $39.9M. It was the largest change among the key lines on this page. Within Minnesota, State Bank of Cold Spring is 30th of 161 on CET1 ratio, 19.59% as of Q2 2026, above the middle of the field. At 19.59%, State Bank of Cold Spring's CET1 ratio is close to the 19.50% median for banks in the < $100M asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.59% |
| Tier 1 risk-based capital ratio | 19.59% |
| Total risk-based capital ratio | 20.40% |
| Tier 1 leverage ratio | 10.06% |
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 | $8.1M |
| Tier 1 capital | $8.1M |
| Total risk-based capital | $8.4M |
| Total equity capital | $7.7M |
| Risk-weighted assets | $41.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.45% |
| Tangible equity to tangible assets | 9.45% |
| Equity capital to average assets | 9.62% |
| Internal capital growth rate | 5.22% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $75K |
| Common stock surplus | $7.4M |
| Retained earnings | $577K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$356K |
| 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 | 20.67% | 20.67% | 21.69% | 7.45% | $35.4M |
| Q4 2023 | 22.57% | 22.57% | 23.68% | 7.76% | $32.8M |
| Q1 2024 | 22.57% | 22.57% | 23.42% | 8.19% | $32.8M |
| Q2 2024 | 19.90% | 19.90% | 20.65% | 8.54% | $37.1M |
| Q3 2024 | 19.32% | 19.32% | 20.03% | 8.55% | $39.1M |
| Q4 2024 | 20.16% | 20.16% | 20.88% | 8.59% | $38.4M |
| Q1 2025 | 19.64% | 19.64% | 20.41% | 8.60% | $39.2M |
| Q2 2025 | 20.47% | 20.47% | 21.27% | 9.04% | $37.7M |
| Q3 2025 | 20.53% | 20.53% | 21.40% | 9.44% | $38.3M |
| Q4 2025 | 20.72% | 20.72% | 21.58% | 9.87% | $38.8M |
| Q1 2026 | 20.01% | 20.01% | 20.85% | 10.25% | $39.9M |
| Q2 2026 | 19.59% | 19.59% | 20.40% | 10.06% | $41.2M |
State Bank of Cold Spring regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Cold Spring, 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 Cold Spring profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12444) · FFIEC NIC profile (RSSD 116358)