The State Bank of Faribault: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.11% (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: 6.11% (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 12.85% +6.35 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 | $30.2M | 30,165 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $234.7M | 234,672 | RCOAA223 |
| Recomputed ratio | 12.85% | numerator / denominator | |
| Filed ratio | 12.85% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.35 pp | $14.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.85% +4.85 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 | $30.2M | 30,165 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $234.7M | 234,672 | RCOAA223 |
| Recomputed ratio | 12.85% | numerator / denominator | |
| Filed ratio | 12.85% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.85 pp | $11.4M | capital that could be lost first |
Total risk-based capital ratio 14.11% +4.11 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 | $33.1M | 33,107 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $234.7M | 234,672 | RCOAA223 |
| Recomputed ratio | 14.11% | numerator / denominator | |
| Filed ratio | 14.11% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.11 pp | $9.6M | capital that could be lost first |
Tier 1 leverage ratio 9.31% +4.31 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 | $30.2M | 30,165 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $324.0M | 324,030 | RCOAA224 |
| Recomputed ratio | 9.31% | numerator / denominator | |
| Filed ratio | 9.31% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.31 pp | $14.0M | 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 | 15,000 | 15,000 | 15,000 | 15,000 | 15,000 | 15,000 | RCOAP742 |
| Retained earnings | 15,165 | 14,747 | 13,830 | 13,537 | 12,874 | 12,514 | RCOAKW00 |
| Accumulated other comprehensive income | (6,308) | (7,066) | (6,874) | (7,839) | (8,906) | (10,114) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 23,857 | 22,681 | 21,956 | 20,698 | 18,968 | 17,400 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 6,308 | 7,066 | 6,874 | 7,839 | 8,906 | 10,114 | P859 - P840 |
| Common equity Tier 1 capital | 30,165 | 29,747 | 28,830 | 28,537 | 27,874 | 27,514 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 30,165 | 29,747 | 28,830 | 28,537 | 27,874 | 27,514 | RCOA8274 |
| Tier 2 capital | 2,942 | 2,822 | 2,897 | 2,847 | 2,950 | 2,823 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,942 | 2,822 | 2,897 | 2,847 | 2,950 | 2,823 | RCOA5310 |
| Total capital | 33,107 | 32,569 | 31,727 | 31,384 | 30,824 | 30,337 | RCOA3792 |
| Total risk-weighted assets | 234,672 | 225,080 | 231,321 | 227,254 | 235,629 | 225,291 | RCOAA223 |
| Average total assets for the leverage ratio | 324,030 | 319,680 | 321,636 | 318,871 | 311,639 | 306,040 | 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 | $22.1M | $1.5M | 6.87% | 0.65% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $115.1M | $22.6M | 19.66% | 9.61% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $82.8M | $56.6M | 68.39% | 24.06% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $235K | $235K | 100.00% | 0.10% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $96.3M | $96.3M | 100.00% | 40.94% | RC-R Part II, item 4.d, 5.d |
| All other assets | $22.0M | $20.6M | 93.46% | 8.75% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $22K | $275K | 1250.00% | 0.12% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $8.7M | $8.7M | 100.00% | 3.70% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $28.4M | NA | 12.08% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $206.9M | ties to item 31 ($206.9M) |
|---|---|---|
| Risk-weighted assets before deductions | $235.3M | RCONB704 |
| Less: excess allowance for credit losses | $662K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $234.7M | 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 | 12.85% | 12.85% | 14.11% | 9.31% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 13.22% | 13.22% | 14.47% | 9.31% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 12.46% | 12.46% | 13.72% | 8.96% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 12.56% | 12.56% | 13.81% | 8.95% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 11.83% | 11.83% | 13.08% | 8.94% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 12.21% | 12.21% | 13.47% | 8.99% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.75% | 12.75% | 14.00% | 8.85% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 12.14% | 12.14% | 13.39% | 8.93% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 12.18% | 12.18% | 13.43% | 8.81% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 12.64% | 12.64% | 13.89% | 9.17% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 13.05% | 13.05% | 14.30% | 9.35% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 12.88% | 12.88% | 14.13% | 9.15% | 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 |
|---|---|---|---|---|---|---|
| The State Bank of Faribault (this bank) | Risk-based | 12.85% | 12.85% | 14.11% | 9.31% | |
| Citizens Savings Bank | $329.1M | CBLR | NA | NA | NA | 14.33% |
| Citizens Bank & Trust Co., Hutchinson, Minn. | $329.0M | Risk-based | 13.96% | 13.96% | 15.07% | 8.63% |
| Stifel Trust Company Delaware, N.A. | $329.5M | Risk-based | 49.75% | 49.75% | 49.75% | 11.44% |
| The Farmers State Bank | $329.6M | CBLR | NA | NA | NA | 10.86% |
| Altoona First Savings Bank | $328.6M | CBLR | NA | NA | NA | 14.14% |
| Kentucky Farmers Bank Corporation | $328.5M | Risk-based | 27.32% | 27.32% | 28.21% | 15.70% |
| Commercial National Bank of Texarkana | $330.1M | Risk-based | 14.46% | 14.46% | 15.63% | 10.01% |
| High Plains Bank | $330.2M | CBLR | NA | NA | NA | 10.76% |
| Viking Bank, N.A. | $330.3M | CBLR | NA | NA | NA | 9.19% |
| First State Bank | $328.1M | CBLR | NA | NA | NA | 11.24% |
| Peer 25th percentile | 14.34% | 14.34% | 15.49% | 10.19% | ||
| Peer median | 20.89% | 20.89% | 21.92% | 11.05% | ||
| Peer 75th percentile | 32.93% | 32.93% | 33.60% | 13.46% | ||
| This bank's percentile | 0 | 0 | 0 | 20 |
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/46053/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.