State Bank of Lakota: 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 Equity capital to total assets, which rose 0.34 percentage points to 9.75%. State Bank of Lakota ranks 9th of 25 North Dakota banks on CET1 ratio, in the upper half at 14.66% (Q2 2026). The median for banks in the < $100M asset tier is 19.57% on CET1 ratio. State Bank of Lakota sits 4.90 points lower, at 14.66% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.66% |
| Tier 1 risk-based capital ratio | 14.66% |
| Total risk-based capital ratio | 15.66% |
| Tier 1 leverage ratio | 9.58% |
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 | $6.4M |
| Tier 1 capital | $6.4M |
| Total risk-based capital | $6.8M |
| Total equity capital | $6.3M |
| Risk-weighted assets | $43.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.75% |
| Tangible equity to tangible assets | 9.75% |
| Equity capital to average assets | 9.43% |
| Internal capital growth rate | 1.09% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $2.9M |
| Retained earnings | $3.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$100K |
| 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 | 14.30% | 14.30% | 15.17% | 9.57% | $42.6M |
| Q4 2023 | 14.60% | 14.60% | 15.50% | 8.86% | $40.9M |
| Q1 2024 | 15.45% | 15.45% | 16.36% | 9.84% | $40.3M |
| Q2 2024 | 15.01% | 15.01% | 15.94% | 10.13% | $41.8M |
| Q3 2024 | 14.70% | 14.70% | 15.65% | 10.21% | $43.3M |
| Q4 2024 | 13.48% | 13.48% | 14.34% | 9.19% | $45.2M |
| Q1 2025 | 14.04% | 14.04% | 14.93% | 9.52% | $43.8M |
| Q2 2025 | 14.60% | 14.60% | 15.52% | 9.45% | $42.4M |
| Q3 2025 | 14.37% | 14.37% | 15.26% | 9.47% | $43.9M |
| Q4 2025 | 14.18% | 14.18% | 15.06% | 9.27% | $44.1M |
| Q1 2026 | 15.09% | 15.09% | 16.02% | 9.47% | $42.0M |
| Q2 2026 | 14.66% | 14.66% | 15.66% | 9.58% | $43.3M |
State Bank of Lakota regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Lakota, 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 Lakota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16477) · FFIEC NIC profile (RSSD 678258)