Bankwell 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%.
The largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 3.8% to $3.01B. Bankwell Bank ranks 14th of 17 Connecticut banks on CET1 ratio, in the lower half at 11.67% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Bankwell Bank sits 1.81 points lower, at 11.67% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.67% |
| Tier 1 risk-based capital ratio | 11.67% |
| Total risk-based capital ratio | 12.70% |
| Tier 1 leverage ratio | 10.39% |
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 | $351.6M |
| Tier 1 capital | $351.6M |
| Total risk-based capital | $382.9M |
| Total equity capital | $355.3M |
| Risk-weighted assets | $3.01B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.25% |
| Tangible equity to tangible assets | 10.14% |
| Equity capital to average assets | 10.48% |
| Internal capital growth rate | 4.92% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $148.8M |
| Retained earnings | $205.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$570K |
| 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 | 10.65% | 10.65% | 11.68% | 9.60% | $2.95B |
| Q4 2023 | 11.30% | 11.30% | 12.32% | 9.81% | $2.84B |
| Q1 2024 | 11.60% | 11.60% | 12.63% | 10.09% | $2.80B |
| Q2 2024 | 11.67% | 11.67% | 12.92% | 10.17% | $2.78B |
| Q3 2024 | 11.80% | 11.80% | 12.83% | 10.24% | $2.74B |
| Q4 2024 | 11.64% | 11.64% | 12.70% | 10.09% | $2.80B |
| Q1 2025 | 12.10% | 12.10% | 13.21% | 10.14% | $2.72B |
| Q2 2025 | 12.20% | 12.20% | 13.28% | 10.57% | $2.76B |
| Q3 2025 | 12.39% | 12.39% | 13.48% | 10.71% | $2.78B |
| Q4 2025 | 11.87% | 11.87% | 12.94% | 10.56% | $2.91B |
| Q1 2026 | 11.97% | 11.97% | 13.00% | 10.32% | $2.91B |
| Q2 2026 | 11.67% | 11.67% | 12.70% | 10.39% | $3.01B |
Bankwell Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankwell 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 Bankwell Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57368) · FFIEC NIC profile (RSSD 3109043)