Bankwest, Incorporated: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 3.57% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 3.57% (RCOAH311).
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.
Common equity Tier 1 ratio 10.58% +4.08 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $178.8M | 178,765 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.69B | 1,689,557 | RCOAA223 |
| Recomputed ratio | 10.58% | numerator / denominator | |
| Filed ratio | 10.58% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.08 pp | $68.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 10.58% +2.58 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $178.8M | 178,765 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.69B | 1,689,557 | RCOAA223 |
| Recomputed ratio | 10.58% | numerator / denominator | |
| Filed ratio | 10.58% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +2.58 pp | $43.6M | capital that could be lost first |
Total risk-based capital ratio 11.57% +1.57 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $195.4M | 195,410 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.69B | 1,689,557 | RCOAA223 |
| Recomputed ratio | 11.57% | numerator / denominator | |
| Filed ratio | 11.57% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +1.57 pp | $26.5M | capital that could be lost first |
Tier 1 leverage ratio 9.21% +4.21 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $178.8M | 178,765 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.94B | 1,941,383 | RCOAA224 |
| Recomputed ratio | 9.21% | numerator / denominator | |
| Filed ratio | 9.21% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.21 pp | $81.7M | 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 | 66,500 | 66,500 | 66,500 | 66,500 | 66,500 | 66,500 | RCOAP742 |
| Retained earnings | 114,179 | 111,676 | 110,593 | 106,068 | 104,360 | 103,154 | RCOAKW00 |
| Accumulated other comprehensive income | (20,807) | (22,754) | (21,158) | (23,778) | (27,885) | (28,016) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 159,872 | 155,422 | 155,935 | 148,790 | 142,975 | 141,638 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 18,893 | 20,694 | 18,921 | 21,751 | 25,369 | 25,675 | P859 - P840 |
| Common equity Tier 1 capital | 178,765 | 176,116 | 174,856 | 170,541 | 168,344 | 167,313 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 178,765 | 176,116 | 174,856 | 170,541 | 168,344 | 167,313 | RCOA8274 |
| Tier 2 capital | 16,645 | 16,405 | 16,009 | 15,774 | 15,815 | 16,044 | RCOA5311 |
| Allowance includable in Tier 2 capital | 16,645 | 16,405 | 16,009 | 15,774 | 15,815 | 16,044 | RCOA5310 |
| Total capital | 195,410 | 192,521 | 190,865 | 186,315 | 184,159 | 183,357 | RCOA3792 |
| Total risk-weighted assets | 1,689,557 | 1,651,457 | 1,708,040 | 1,686,770 | 1,669,180 | 1,640,700 | RCOAA223 |
| Average total assets for the leverage ratio | 1,941,383 | 1,956,067 | 1,903,115 | 1,868,913 | 1,834,910 | 1,815,644 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $40.0M | $6.7M | 16.86% | 0.40% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $294.1M | $88.3M | 30.03% | 5.23% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $4.6M | $910K | 20.00% | 0.05% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $172.9M | $97.0M | 56.12% | 5.74% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $28.1M | $42.1M | 150.00% | 2.49% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $38.9M | $58.4M | 150.00% | 3.46% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.17B | $1.16B | 99.03% | 68.48% | RC-R Part II, item 4.d, 5.d |
| All other assets | $96.6M | $91.9M | 95.12% | 5.44% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $75.8M | $75.8M | 100.00% | 4.49% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $71.4M | NA | 4.23% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $1.62B | ties to item 31 ($1.62B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.69B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.69B | RCONG641, ties |
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 | Risk-based | 10.58% | 10.58% | 11.57% | 9.21% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 10.66% | 10.66% | 11.66% | 9.00% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 10.24% | 10.24% | 11.17% | 9.19% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 10.11% | 10.11% | 11.05% | 9.13% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 10.09% | 10.09% | 11.03% | 9.17% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 10.20% | 10.20% | 11.18% | 9.22% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 10.38% | 10.38% | 11.28% | 9.16% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 10.45% | 10.45% | 11.36% | 9.33% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 10.80% | 10.80% | 11.72% | 9.47% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 10.98% | 10.98% | 11.89% | 9.50% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 10.83% | 10.83% | 11.75% | 9.53% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.27% | 11.27% | 12.24% | 9.51% | 12.78% | 12.79% | 13.93% | 10.03% |
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 |
|---|---|---|---|---|---|---|
| Bankwest, Incorporated (this bank) | Risk-based | 10.58% | 10.58% | 11.57% | 9.21% | |
| Thomaston Savings Bank | $1.93B | CBLR | NA | NA | NA | 10.68% |
| Great Plains National Bank | $1.93B | Risk-based | 10.86% | 10.86% | 12.10% | 9.42% |
| Climate First Bank | $1.94B | Risk-based | 9.83% | 9.83% | 10.87% | 9.66% |
| Whitaker Bank, Inc | $1.93B | CBLR | NA | NA | NA | 12.89% |
| First Northern Bank of Dixon | $1.93B | Risk-based | 17.75% | 17.75% | 18.97% | 11.95% |
| Fairfield County Bank | $1.92B | CBLR | NA | NA | NA | 14.32% |
| Tri City National Bank | $1.95B | CBLR | NA | NA | NA | 11.10% |
| First American Bank | $1.91B | Risk-based | 17.94% | 17.94% | 19.19% | 11.79% |
| BANK7 | $1.91B | Risk-based | 15.18% | 15.18% | 16.36% | 13.88% |
| BTC Bank | $1.91B | CBLR | NA | NA | NA | 9.35% |
| Peer 25th percentile | 10.86% | 10.86% | 12.10% | 9.91% | ||
| Peer median | 15.18% | 15.18% | 16.36% | 11.45% | ||
| Peer 75th percentile | 17.75% | 17.75% | 18.97% | 12.66% | ||
| This bank's percentile | 20 | 20 | 20 | 0 |
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/540551/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.