State Bank & Trust of Kenmare: 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 14.6% in Q2 2026, from -$4.6M to -$3.9M. It was the largest change from Q1 2026 among the key lines here. State Bank & Trust of Kenmare ranks 4th of 25 North Dakota banks on CET1 ratio, in the upper half at 16.93% (Q2 2026). State Bank & Trust of Kenmare reported 16.93% on CET1 ratio for Q2 2026, 1.86 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.93% |
| Tier 1 risk-based capital ratio | 16.93% |
| Total risk-based capital ratio | 17.78% |
| Tier 1 leverage ratio | 9.25% |
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 | $18.5M |
| Tier 1 capital | $18.5M |
| Total risk-based capital | $19.5M |
| Total equity capital | $14.7M |
| Risk-weighted assets | $109.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.31% |
| Tangible equity to tangible assets | 7.27% |
| Equity capital to average assets | 7.33% |
| Internal capital growth rate | 19.74% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $3.9M |
| Retained earnings | $13.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.9M |
| 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 | 15.97% | 15.97% | 17.12% | 10.00% | $96.4M |
| Q4 2023 | 14.48% | 14.48% | 15.53% | 10.00% | $105.1M |
| Q1 2024 | 15.56% | 15.56% | 16.69% | 8.93% | $99.5M |
| Q2 2024 | 15.74% | 15.74% | 16.87% | 8.94% | $99.7M |
| Q3 2024 | 15.61% | 15.61% | 16.38% | 9.37% | $103.7M |
| Q4 2024 | 14.91% | 14.91% | 15.70% | 9.16% | $107.6M |
| Q1 2025 | 15.40% | 15.40% | 16.22% | 8.92% | $106.4M |
| Q2 2025 | 15.08% | 15.08% | 15.87% | 9.14% | $111.4M |
| Q3 2025 | 15.05% | 15.05% | 15.84% | 9.28% | $114.4M |
| Q4 2025 | 16.04% | 16.04% | 16.88% | 9.16% | $108.4M |
| Q1 2026 | 16.32% | 16.32% | 17.18% | 9.05% | $109.5M |
| Q2 2026 | 16.93% | 16.93% | 17.78% | 9.25% | $109.6M |
State Bank & Trust of Kenmare regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank & Trust of Kenmare, 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 & Trust of Kenmare profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2057) · FFIEC NIC profile (RSSD 675659)