Bank Five Nine: 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Equity capital to total assets rose 0.51 percentage points from Q1 2026 to Q2 2026, ending at 9.59% against 9.08%. It was the largest change among the key lines on this page. Bank Five Nine ranks 58th of 85 Wisconsin banks on CET1 ratio, in the lower half at 12.13% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Bank Five Nine sits 1.37 points lower, at 12.13% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.13% |
| Tier 1 risk-based capital ratio | 12.13% |
| Total risk-based capital ratio | 12.78% |
| Tier 1 leverage ratio | 9.77% |
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 | $254.6M |
| Tier 1 capital | $254.6M |
| Total risk-based capital | $268.2M |
| Total equity capital | $242.8M |
| Risk-weighted assets | $2.10B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.59% |
| Tangible equity to tangible assets | 9.49% |
| Equity capital to average assets | 9.31% |
| Internal capital growth rate | 10.80% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $61.4M |
| Retained earnings | $195.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$14.6M |
| 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 | 11.52% | 11.52% | 12.10% | 9.94% | $1.58B |
| Q4 2023 | 10.87% | 10.87% | 11.41% | 9.47% | $1.67B |
| Q1 2024 | 11.55% | 11.55% | 12.12% | 9.16% | $1.60B |
| Q2 2024 | 10.81% | 10.81% | 11.34% | 9.05% | $1.73B |
| Q3 2024 | 10.44% | 10.44% | 10.94% | 8.89% | $1.83B |
| Q4 2024 | 10.45% | 10.45% | 10.93% | 8.66% | $1.87B |
| Q1 2025 | 10.60% | 10.60% | 11.09% | 8.48% | $1.91B |
| Q2 2025 | 10.90% | 10.90% | 11.40% | 8.33% | $1.91B |
| Q3 2025 | 12.03% | 12.03% | 12.55% | 9.14% | $1.98B |
| Q4 2025 | 11.93% | 11.93% | 12.48% | 9.09% | $2.02B |
| Q1 2026 | 12.02% | 12.02% | 12.60% | 9.41% | $2.07B |
| Q2 2026 | 12.13% | 12.13% | 12.78% | 9.77% | $2.10B |
Bank Five Nine regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank Five Nine, 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 Bank Five Nine profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12517) · FFIEC NIC profile (RSSD 806846)