Bank of Wisconsin Dells: 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 4.5% from Q1 2026 to Q2 2026, ending at $108.7M against $104.1M. It was the largest change among the key lines on this page. Within Wisconsin, Bank of Wisconsin Dells is 44th of 85 on CET1 ratio, 12.97% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Bank of Wisconsin Dells sits 0.51 points lower, at 12.97% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.97% |
| Tier 1 risk-based capital ratio | 12.97% |
| Total risk-based capital ratio | 14.23% |
| Tier 1 leverage ratio | 12.12% |
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 | $130.4M |
| Tier 1 capital | $130.4M |
| Total risk-based capital | $143.0M |
| Total equity capital | $121.8M |
| Risk-weighted assets | $1.01B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.28% |
| Tangible equity to tangible assets | 11.28% |
| Equity capital to average assets | 11.32% |
| Internal capital growth rate | 15.84% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.1M |
| Common stock surplus | $18.5M |
| Retained earnings | $108.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.6M |
| 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 | 11.81% | 11.81% | 13.07% | 10.59% | $879.8M |
| Q4 2023 | 11.62% | 11.62% | 12.88% | 10.67% | $886.3M |
| Q1 2024 | 11.92% | 11.92% | 13.17% | 10.82% | $883.8M |
| Q2 2024 | 11.95% | 11.95% | 13.21% | 10.85% | $902.3M |
| Q3 2024 | 12.73% | 12.73% | 13.98% | 11.01% | $874.4M |
| Q4 2024 | 12.23% | 12.23% | 13.49% | 11.35% | $908.3M |
| Q1 2025 | 12.49% | 12.49% | 13.74% | 11.57% | $919.6M |
| Q2 2025 | 12.63% | 12.63% | 13.88% | 11.74% | $939.6M |
| Q3 2025 | 13.02% | 13.02% | 14.27% | 11.92% | $947.8M |
| Q4 2025 | 12.45% | 12.45% | 13.70% | 11.80% | $983.0M |
| Q1 2026 | 12.72% | 12.72% | 13.97% | 11.77% | $988.6M |
| Q2 2026 | 12.97% | 12.97% | 14.23% | 12.12% | $1.01B |
Bank of Wisconsin Dells regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Wisconsin Dells, 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 Wisconsin Dells profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15136) · FFIEC NIC profile (RSSD 894348)