Superior National 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%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which rose 7.2% to -$21.5M. Within Michigan, Superior National Bank is 13th of 43 on CET1 ratio, 17.27% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Superior National Bank sits 3.79 points higher, at 17.27% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.27% |
| Tier 1 risk-based capital ratio | 17.27% |
| Total risk-based capital ratio | 18.47% |
| Tier 1 leverage ratio | 11.70% |
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 | $122.2M |
| Tier 1 capital | $122.2M |
| Total risk-based capital | $130.7M |
| Total equity capital | $120.4M |
| Risk-weighted assets | $707.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.55% |
| Tangible equity to tangible assets | 9.84% |
| Equity capital to average assets | 11.32% |
| Internal capital growth rate | 8.58% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $5.0M |
| Retained earnings | $136.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$21.5M |
| 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 | 15.32% | 15.32% | 16.57% | 10.03% | $702.4M |
| Q4 2023 | 15.78% | 15.78% | 17.03% | 10.37% | $687.1M |
| Q1 2024 | 15.86% | 15.86% | 17.11% | 10.58% | $687.9M |
| Q2 2024 | 16.13% | 16.13% | 17.38% | 10.72% | $681.6M |
| Q3 2024 | 16.34% | 16.34% | 17.59% | 10.70% | $682.9M |
| Q4 2024 | 16.57% | 16.57% | 17.82% | 10.98% | $680.3M |
| Q1 2025 | 16.97% | 16.97% | 18.22% | 11.31% | $668.2M |
| Q2 2025 | 16.46% | 16.46% | 17.71% | 11.36% | $693.9M |
| Q3 2025 | 16.92% | 16.92% | 18.17% | 11.33% | $690.0M |
| Q4 2025 | 17.52% | 17.52% | 18.73% | 11.29% | $677.2M |
| Q1 2026 | 17.56% | 17.56% | 18.75% | 11.57% | $685.0M |
| Q2 2026 | 17.27% | 17.27% | 18.47% | 11.70% | $707.6M |
Superior National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Superior National 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 Superior National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5058) · FFIEC NIC profile (RSSD 245557)