Western National Bank of Cass Lake: 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 standout move of Q2 2026 was in Risk-weighted assets: 35.4% higher than in Q1 2026, at $20.2M. Western National Bank of Cass Lake ranks 41st of 161 Minnesota banks on CET1 ratio, in the upper half at 17.37% (Q2 2026). Western National Bank of Cass Lake reported 17.37% on CET1 ratio for Q2 2026, 2.20 points below the 19.57% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.37% |
| Tier 1 risk-based capital ratio | 17.37% |
| Total risk-based capital ratio | 18.27% |
| Tier 1 leverage ratio | 9.11% |
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 | $3.5M |
| Tier 1 capital | $3.5M |
| Total risk-based capital | $3.7M |
| Total equity capital | $3.9M |
| Risk-weighted assets | $20.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.45% |
| Tangible equity to tangible assets | 9.49% |
| Equity capital to average assets | 9.99% |
| Internal capital growth rate | 3.22% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $70K |
| Common stock surplus | $2.4M |
| Retained earnings | $1.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$17K |
| 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 | 19.79% | 19.79% | 20.94% | 9.03% | $15.6M |
| Q4 2023 | 17.27% | 17.27% | 18.32% | 8.66% | $17.2M |
| Q1 2024 | 17.84% | 17.84% | 18.91% | 8.12% | $16.9M |
| Q2 2024 | 20.11% | 20.11% | 21.26% | 8.82% | $15.7M |
| Q3 2024 | 24.42% | 24.42% | 25.67% | 8.47% | $12.9M |
| Q4 2024 | 17.84% | 17.84% | 18.87% | 9.14% | $17.6M |
| Q1 2025 | — | — | — | 9.55% | — |
| Q2 2025 | 26.34% | 26.34% | 27.59% | 9.79% | $12.5M |
| Q3 2025 | 23.91% | 23.91% | 25.15% | 10.06% | $14.0M |
| Q4 2025 | 26.41% | 26.41% | 27.66% | 8.77% | $12.8M |
| Q1 2026 | 23.33% | 23.33% | 24.55% | 8.85% | $14.9M |
| Q2 2026 | 17.37% | 17.37% | 18.27% | 9.11% | $20.2M |
Western National Bank of Cass Lake regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Western National Bank of Cass Lake, 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 Western National Bank of Cass Lake profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5110) · FFIEC NIC profile (RSSD 278751)