Stearns Bank N.A.: 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 average assets, which rose 0.35 percentage points to 16.43%. Stearns Bank N.A. ranks 62nd of 161 Minnesota banks on CET1 ratio, in the upper half at 15.39% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Stearns Bank N.A. sits 1.91 points higher, at 15.39% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.39% |
| Tier 1 risk-based capital ratio | 16.25% |
| Total risk-based capital ratio | 17.52% |
| Tier 1 leverage ratio | 15.42% |
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 | $464.8M |
| Tier 1 capital | $490.7M |
| Total risk-based capital | $529.1M |
| Total equity capital | $534.6M |
| Risk-weighted assets | $3.02B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.33% |
| Tangible equity to tangible assets | 14.47% |
| Equity capital to average assets | 16.43% |
| Internal capital growth rate | 4.20% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $478K |
| Common stock surplus | $5.6M |
| Retained earnings | $530.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.4M |
| 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 | 21.25% | 21.41% | 22.68% | 19.69% | $2.54B |
| Q4 2023 | 19.61% | 19.78% | 21.05% | 19.14% | $2.75B |
| Q1 2024 | 19.08% | 19.26% | 20.53% | 19.01% | $2.82B |
| Q2 2024 | 17.21% | 17.40% | 18.66% | 16.80% | $2.82B |
| Q3 2024 | 16.76% | 16.95% | 18.22% | 17.02% | $2.97B |
| Q4 2024 | 17.48% | 17.66% | 18.93% | 17.23% | $2.98B |
| Q1 2025 | 15.91% | 16.10% | 17.37% | 16.14% | $3.10B |
| Q2 2025 | 13.39% | 14.17% | 15.44% | 14.12% | $3.36B |
| Q3 2025 | 14.63% | 15.49% | 16.76% | 14.76% | $3.20B |
| Q4 2025 | 15.38% | 16.30% | 17.56% | 15.79% | $3.18B |
| Q1 2026 | 14.94% | 15.82% | 17.09% | 15.11% | $3.08B |
| Q2 2026 | 15.39% | 16.25% | 17.52% | 15.42% | $3.02B |
Stearns Bank N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Stearns Bank N.A., 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 Stearns Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10988) · FFIEC NIC profile (RSSD 141556)