Bank of Alma: 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%.
Equity capital to average assets climbed 0.77 percentage points in Q2 2026, from 50.00% to 50.77%. It was the largest change from Q1 2026 among the key lines here. Bank of Alma has the highest CET1 ratio of the 85 banks headquartered in Wisconsin, 77.90% as of Q2 2026. Bank of Alma's CET1 ratio of 77.90% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 62.83 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 77.90% |
| Tier 1 risk-based capital ratio | 77.90% |
| Total risk-based capital ratio | 79.15% |
| Tier 1 leverage ratio | 50.77% |
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 | $172.2M |
| Tier 1 capital | $172.2M |
| Total risk-based capital | $175.0M |
| Total equity capital | $172.2M |
| Risk-weighted assets | $221.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 50.73% |
| Tangible equity to tangible assets | 50.73% |
| Equity capital to average assets | 50.77% |
| Internal capital growth rate | 6.05% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $19.3M |
| Retained earnings | $151.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 46.77% | 46.50% | 46.50% |
| Q4 2023 | 47.81% | 47.52% | 47.52% |
| Q1 2024 | 48.12% | 48.50% | 48.50% |
| Q2 2024 | 49.56% | 49.67% | 49.67% |
| Q3 2024 | 49.89% | 49.97% | 49.97% |
| Q4 2024 | 50.06% | 49.08% | 49.08% |
| Q1 2025 | 49.32% | 49.08% | 49.08% |
| Q2 2025 | 49.68% | 49.45% | 49.45% |
| Q3 2025 | 49.94% | 50.33% | 50.33% |
| Q4 2025 | 50.79% | 49.96% | 49.96% |
| Q1 2026 | 50.00% | 50.00% | 50.00% |
| Q2 2026 | 50.77% | 50.73% | 50.73% |
Bank of Alma regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Alma, 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 of Alma profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26689) · FFIEC NIC profile (RSSD 564052)