Sterling State Bank: 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%.
Retained earnings rose 5.2% from Q1 2026 to Q2 2026, ending at $7.1M against $6.7M. It was the largest change among the key lines on this page. Sterling State Bank ranks 104th of 162 Minnesota banks on CET1 ratio, in the lower half at 12.80% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Sterling State Bank sits 2.29 points lower, at 12.80% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.80% |
| Tier 1 risk-based capital ratio | 12.80% |
| Total risk-based capital ratio | 13.98% |
| Tier 1 leverage ratio | 8.54% |
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 | $40.1M |
| Tier 1 capital | $40.1M |
| Total risk-based capital | $43.8M |
| Total equity capital | $31.8M |
| Risk-weighted assets | $313.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.88% |
| Tangible equity to tangible assets | 6.88% |
| Equity capital to average assets | 6.77% |
| Internal capital growth rate | 4.45% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $32.7M |
| Retained earnings | $7.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.3M |
| 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 | 12.77% | 12.77% | 13.98% | 6.92% | $282.7M |
| Q4 2023 | 12.52% | 12.52% | 13.70% | 6.70% | $288.5M |
| Q1 2024 | 12.41% | 12.41% | 13.58% | 6.59% | $293.2M |
| Q2 2024 | 12.42% | 12.42% | 13.57% | 7.02% | $296.6M |
| Q3 2024 | 12.30% | 12.30% | 13.44% | 6.98% | $299.1M |
| Q4 2024 | 12.26% | 12.26% | 13.39% | 6.95% | $303.1M |
| Q1 2025 | 12.25% | 12.25% | 13.36% | 7.09% | $305.7M |
| Q2 2025 | 12.34% | 12.34% | 13.45% | 7.22% | $307.1M |
| Q3 2025 | 12.66% | 12.66% | 13.78% | 7.47% | $305.2M |
| Q4 2025 | 12.36% | 12.36% | 13.53% | 8.13% | $317.0M |
| Q1 2026 | 12.52% | 12.52% | 13.69% | 8.53% | $317.3M |
| Q2 2026 | 12.80% | 12.80% | 13.98% | 8.54% | $313.2M |
Sterling State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Sterling State Bank, 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 Sterling State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17863) · FFIEC NIC profile (RSSD 144155)