Bank of Wolcott: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 12.01% +3.01 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $34.8M | 34,804 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $289.8M | 289,796 | RCOAA224 |
| Recomputed ratio | 12.01% | numerator / denominator | |
| Filed ratio | 12.01% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +3.01 pp | $8.7M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 3,400 | 3,400 | 3,400 | 3,400 | 3,400 | 3,400 | RCOAP742 |
| Retained earnings | 31,404 | 30,482 | 29,778 | 29,067 | 28,209 | 27,544 | RCOAKW00 |
| Accumulated other comprehensive income | (5,279) | (4,943) | (4,966) | (5,887) | (8,925) | (8,208) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 29,525 | 28,939 | 28,212 | 26,580 | 22,684 | 22,736 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 5,279 | 4,943 | 4,966 | 5,887 | 8,925 | 8,208 | P859 - P840 |
| Common equity Tier 1 capital | 34,804 | 33,882 | 33,178 | 32,467 | 31,609 | 30,944 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 34,804 | 33,882 | 33,178 | 32,467 | 31,609 | 30,944 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 289,796 | 278,598 | 276,570 | 264,913 | 256,149 | 244,294 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 12.01% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 12.16% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 12.00% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 12.26% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 12.34% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 12.67% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 12.31% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 12.41% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 11.87% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 12.21% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 12.24% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 12.00% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Bank of Wolcott (this bank) | CBLR | NA | NA | NA | 12.01% | |
| Grand Bank for Savings, F.S.B. | $280.4M | CBLR | NA | NA | NA | 10.98% |
| First National Bank of Pasco | $280.0M | CBLR | NA | NA | NA | 10.23% |
| Primebank of Texas | $279.7M | CBLR | NA | NA | NA | 11.66% |
| Fusion Bank | $281.0M | CBLR | NA | NA | NA | 12.76% |
| Security State Bank | $279.5M | CBLR | NA | NA | NA | 10.73% |
| The Farmers State Bank of Waupaca | $279.5M | CBLR | NA | NA | NA | 11.57% |
| Town and Country Bank Midwest | $279.3M | CBLR | NA | NA | NA | 14.89% |
| Guthrie County State Bank | $279.2M | Risk-based | 16.71% | 16.71% | 17.72% | 12.33% |
| Fairfield Federal Savings and Loan Association of Lancaster | $281.5M | CBLR | NA | NA | NA | 11.82% |
| Sonata Bank | $281.5M | Risk-based | 11.58% | 11.58% | 12.57% | 10.12% |
| Peer 25th percentile | 12.86% | 12.86% | 13.86% | 10.79% | ||
| Peer median | 14.15% | 14.15% | 15.15% | 11.61% | ||
| Peer 75th percentile | 15.43% | 15.43% | 16.44% | 12.20% | ||
| This bank's percentile | NA | NA | NA | 70 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/729842/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.