Bank of Winnfield & Trust Company: 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 Total risk-based capital ratio: 1.85 percentage points lower than in Q1 2026, at 32.16%. Bank of Winnfield & Trust Company ranks 8th of 46 Louisiana banks on CET1 ratio, in the upper half at 31.13% (Q2 2026). Bank of Winnfield & Trust Company's CET1 ratio of 31.13% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 16.06 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 31.13% |
| Tier 1 risk-based capital ratio | 31.13% |
| Total risk-based capital ratio | 32.16% |
| Tier 1 leverage ratio | 14.43% |
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 | $22.5M |
| Tier 1 capital | $22.5M |
| Total risk-based capital | $23.2M |
| Total equity capital | $17.5M |
| Risk-weighted assets | $72.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.20% |
| Tangible equity to tangible assets | 11.20% |
| Equity capital to average assets | 11.21% |
| Internal capital growth rate | 4.38% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $197K |
| Common stock surplus | $9.3M |
| Retained earnings | $13.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.0M |
| 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 | 30.24% | 30.24% | 31.40% | 12.75% | $68.3M |
| Q4 2023 | 30.00% | 30.00% | 31.19% | 13.15% | $69.2M |
| Q1 2024 | 31.77% | 31.77% | 33.02% | 12.92% | $65.7M |
| Q2 2024 | 32.86% | 32.86% | 34.11% | 13.51% | $64.3M |
| Q3 2024 | 32.10% | 32.10% | 33.35% | 13.81% | $66.7M |
| Q4 2024 | 31.54% | 31.54% | 32.63% | 13.90% | $68.5M |
| Q1 2025 | 30.74% | 30.74% | 31.82% | 13.75% | $70.4M |
| Q2 2025 | 31.43% | 31.43% | 32.50% | 13.60% | $69.6M |
| Q3 2025 | 32.23% | 32.23% | 33.33% | 14.21% | $68.8M |
| Q4 2025 | 31.04% | 31.04% | 32.08% | 14.29% | $71.6M |
| Q1 2026 | 32.91% | 32.91% | 34.01% | 14.31% | $67.7M |
| Q2 2026 | 31.13% | 31.13% | 32.16% | 14.43% | $72.2M |
Bank of Winnfield & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Winnfield & Trust Company, 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 Winnfield & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9323) · FFIEC NIC profile (RSSD 625953)