The Bank of Deerfield: 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 2.8% from Q1 2026 to Q2 2026, ending at $22.9M against $22.2M. It was the largest change among the key lines on this page. The Bank of Deerfield ranks 46th of 85 Wisconsin banks on CET1 ratio, in the lower half at 12.95% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The Bank of Deerfield sits 2.12 points lower, at 12.95% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.95% |
| Tier 1 risk-based capital ratio | 12.95% |
| Total risk-based capital ratio | 14.20% |
| Tier 1 leverage ratio | 10.49% |
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 | $27.9M |
| Tier 1 capital | $27.9M |
| Total risk-based capital | $30.6M |
| Total equity capital | $27.9M |
| Risk-weighted assets | $215.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.38% |
| Tangible equity to tangible assets | 10.38% |
| Equity capital to average assets | 10.47% |
| Internal capital growth rate | 9.23% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $80K |
| Common stock surplus | $5.0M |
| Retained earnings | $22.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$58K |
| 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 | 12.95% | 12.95% | 14.17% | 10.89% | $177.3M |
| Q4 2023 | 12.14% | 12.14% | 13.30% | 10.28% | $187.3M |
| Q1 2024 | 12.93% | 12.93% | 14.18% | 10.45% | $179.3M |
| Q2 2024 | 12.49% | 12.49% | 13.72% | 10.51% | $189.2M |
| Q3 2024 | 13.00% | 13.00% | 14.25% | 10.51% | $186.1M |
| Q4 2024 | 12.53% | 12.53% | 13.78% | 10.14% | $191.1M |
| Q1 2025 | 13.17% | 13.17% | 14.42% | 10.51% | $186.1M |
| Q2 2025 | 12.22% | 12.22% | 13.47% | 10.68% | $206.5M |
| Q3 2025 | 12.66% | 12.66% | 13.91% | 10.52% | $204.6M |
| Q4 2025 | 12.46% | 12.46% | 13.71% | 10.23% | $213.3M |
| Q1 2026 | 12.93% | 12.93% | 14.18% | 10.43% | $211.1M |
| Q2 2026 | 12.95% | 12.95% | 14.20% | 10.49% | $215.5M |
The Bank of Deerfield regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Deerfield, 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 The Bank of Deerfield profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2477) · FFIEC NIC profile (RSSD 588245)