Bankers' Bank: 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%.
Compared with Q1 2026, Accumulated other comprehensive income rose 2.6% in Q2 2026 to -$11.0M, the biggest move on this page. Within Wisconsin, Bankers' Bank is 23rd of 85 on CET1 ratio, 15.86% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Bankers' Bank sits 2.38 points higher, at 15.86% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.86% |
| Tier 1 risk-based capital ratio | 15.86% |
| Total risk-based capital ratio | 17.02% |
| Tier 1 leverage ratio | 14.70% |
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 | $206.1M |
| Tier 1 capital | $206.1M |
| Total risk-based capital | $221.2M |
| Total equity capital | $195.1M |
| Risk-weighted assets | $1.30B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.28% |
| Tangible equity to tangible assets | 13.28% |
| Equity capital to average assets | 13.91% |
| Internal capital growth rate | 7.19% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.3M |
| Common stock surplus | $49.8M |
| Retained earnings | $152.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.0M |
| 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 | 12.26% | 12.26% | 13.18% | 10.81% | $1.30B |
| Q4 2023 | 12.28% | 12.28% | 13.21% | 10.71% | $1.33B |
| Q1 2024 | 12.57% | 12.57% | 13.50% | 11.02% | $1.32B |
| Q2 2024 | 12.72% | 12.72% | 13.66% | 11.67% | $1.31B |
| Q3 2024 | 13.39% | 13.39% | 14.34% | 11.66% | $1.27B |
| Q4 2024 | 13.63% | 13.63% | 14.57% | 11.75% | $1.27B |
| Q1 2025 | 13.94% | 13.94% | 14.94% | 12.06% | $1.26B |
| Q2 2025 | 13.82% | 13.82% | 14.74% | 12.63% | $1.29B |
| Q3 2025 | 14.11% | 14.11% | 15.13% | 12.69% | $1.28B |
| Q4 2025 | 15.68% | 15.68% | 16.83% | 14.03% | $1.27B |
| Q1 2026 | 15.63% | 15.63% | 16.83% | 14.72% | $1.30B |
| Q2 2026 | 15.86% | 15.86% | 17.02% | 14.70% | $1.30B |
Bankers' Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankers' Bank, 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 Bankers' Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23537) · FFIEC NIC profile (RSSD 408642)