Bankwest: 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Total equity capital rose 3.6% from Q1 2026 to Q2 2026, ending at $19.7M against $19.0M. It was the largest change among the key lines on this page. Within Minnesota, Bankwest is 54th of 162 on CET1 ratio, 16.13% as of Q2 2026. Bankwest reported 16.13% on CET1 ratio for Q2 2026, 1.05 points above the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.13% |
| Tier 1 risk-based capital ratio | 16.13% |
| Total risk-based capital ratio | 17.22% |
| Tier 1 leverage ratio | 9.47% |
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 | $22.7M |
| Tier 1 capital | $22.7M |
| Total risk-based capital | $24.3M |
| Total equity capital | $19.7M |
| Risk-weighted assets | $141.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.20% |
| Tangible equity to tangible assets | 8.20% |
| Equity capital to average assets | 8.19% |
| Internal capital growth rate | 6.28% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $60K |
| Common stock surplus | $12.4M |
| Retained earnings | $10.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.1M |
| 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 | 16.77% | 16.77% | 17.87% | 7.66% | $113.0M |
| Q4 2023 | 16.27% | 16.27% | 17.42% | 7.59% | $117.6M |
| Q1 2024 | 16.17% | 16.17% | 17.28% | 7.55% | $121.0M |
| Q2 2024 | 16.63% | 16.63% | 17.86% | 7.93% | $118.8M |
| Q3 2024 | 16.41% | 16.41% | 17.66% | 8.13% | $122.6M |
| Q4 2024 | 15.98% | 15.98% | 17.11% | 8.22% | $127.1M |
| Q1 2025 | 16.19% | 16.19% | 17.33% | 8.51% | $127.4M |
| Q2 2025 | 15.63% | 15.63% | 16.68% | 8.50% | $131.4M |
| Q3 2025 | 15.86% | 15.86% | 16.89% | 8.67% | $133.9M |
| Q4 2025 | 15.82% | 15.82% | 16.88% | 8.91% | $138.5M |
| Q1 2026 | 16.28% | 16.28% | 17.39% | 9.28% | $137.9M |
| Q2 2026 | 16.13% | 16.13% | 17.22% | 9.47% | $141.0M |
Bankwest regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankwest, 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 Bankwest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16704) · FFIEC NIC profile (RSSD 791353)