Bankwest, Incorporated: 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.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to average assets, which rose 0.29 percentage points to 8.23%. Bankwest, Incorporated has the 3rd lowest CET1 ratio of the 36 banks headquartered in South Dakota, at 10.58% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Bankwest, Incorporated sits 2.91 points lower, at 10.58% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.58% |
| Tier 1 risk-based capital ratio | 10.58% |
| Total risk-based capital ratio | 11.57% |
| Tier 1 leverage ratio | 9.21% |
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 | $178.8M |
| Tier 1 capital | $178.8M |
| Total risk-based capital | $195.4M |
| Total equity capital | $159.9M |
| Risk-weighted assets | $1.69B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.26% |
| Tangible equity to tangible assets | 8.17% |
| Equity capital to average assets | 8.23% |
| Internal capital growth rate | 6.44% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $64.5M |
| Retained earnings | $114.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$20.8M |
| 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 | 11.27% | 11.27% | 12.24% | 9.51% | $1.39B |
| Q4 2023 | 10.83% | 10.83% | 11.75% | 9.53% | $1.45B |
| Q1 2024 | 10.98% | 10.98% | 11.89% | 9.50% | $1.45B |
| Q2 2024 | 10.80% | 10.80% | 11.72% | 9.47% | $1.50B |
| Q3 2024 | 10.45% | 10.45% | 11.36% | 9.33% | $1.58B |
| Q4 2024 | 10.38% | 10.38% | 11.28% | 9.16% | $1.60B |
| Q1 2025 | 10.20% | 10.20% | 11.18% | 9.22% | $1.64B |
| Q2 2025 | 10.09% | 10.09% | 11.03% | 9.17% | $1.67B |
| Q3 2025 | 10.11% | 10.11% | 11.05% | 9.13% | $1.69B |
| Q4 2025 | 10.24% | 10.24% | 11.17% | 9.19% | $1.71B |
| Q1 2026 | 10.66% | 10.66% | 11.66% | 9.00% | $1.65B |
| Q2 2026 | 10.58% | 10.58% | 11.57% | 9.21% | $1.69B |
Bankwest, Incorporated regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankwest, Incorporated, 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, Incorporated profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4009) · FFIEC NIC profile (RSSD 540551)