The State Bank of Faribault: 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 climbed 10.7% in Q2 2026, from -$7.1M to -$6.3M. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, The State Bank of Faribault is 103rd of 161 on CET1 ratio, 12.85% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The State Bank of Faribault sits 2.22 points lower, at 12.85% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.85% |
| Tier 1 risk-based capital ratio | 12.85% |
| Total risk-based capital ratio | 14.11% |
| Tier 1 leverage ratio | 9.31% |
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 | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $30.2M |
| Tier 1 capital | $30.2M |
| Total risk-based capital | $33.1M |
| Total equity capital | $23.9M |
| Risk-weighted assets | $234.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.25% |
| Tangible equity to tangible assets | 7.25% |
| Equity capital to average assets | 7.36% |
| Internal capital growth rate | 7.37% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $14.0M |
| Retained earnings | $15.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.3M |
| 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 |
|---|---|---|---|---|---|
| Q3 2023 | 12.88% | 12.88% | 14.13% | 9.15% | $206.2M |
| Q4 2023 | 13.05% | 13.05% | 14.30% | 9.35% | $208.8M |
| Q1 2024 | 12.64% | 12.64% | 13.89% | 9.17% | $213.1M |
| Q2 2024 | 12.18% | 12.18% | 13.43% | 8.81% | $217.8M |
| Q3 2024 | 12.14% | 12.14% | 13.39% | 8.93% | $222.2M |
| Q4 2024 | 12.75% | 12.75% | 14.00% | 8.85% | $216.6M |
| Q1 2025 | 12.21% | 12.21% | 13.47% | 8.99% | $225.3M |
| Q2 2025 | 11.83% | 11.83% | 13.08% | 8.94% | $235.6M |
| Q3 2025 | 12.56% | 12.56% | 13.81% | 8.95% | $227.3M |
| Q4 2025 | 12.46% | 12.46% | 13.72% | 8.96% | $231.3M |
| Q1 2026 | 13.22% | 13.22% | 14.47% | 9.31% | $225.1M |
| Q2 2026 | 12.85% | 12.85% | 14.11% | 9.31% | $234.7M |
The State Bank of Faribault regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The State Bank of Faribault, 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 The State Bank of Faribault profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1610) · FFIEC NIC profile (RSSD 46053)