Baraboo State 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 Equity capital to average assets, which rose 0.51 percentage points to 11.59%. Baraboo State Bank ranks 14th of 85 Wisconsin banks on CET1 ratio, in the upper half at 19.66% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Baraboo State Bank sits 4.57 points higher, at 19.66% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.66% |
| Tier 1 risk-based capital ratio | 19.66% |
| Total risk-based capital ratio | 20.91% |
| Tier 1 leverage ratio | 11.70% |
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 | $66.5M |
| Tier 1 capital | $66.5M |
| Total risk-based capital | $70.7M |
| Total equity capital | $65.9M |
| Risk-weighted assets | $338.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.56% |
| Tangible equity to tangible assets | 11.56% |
| Equity capital to average assets | 11.59% |
| Internal capital growth rate | 8.67% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.8M |
| Common stock surplus | $33.2M |
| Retained earnings | $31.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$648K |
| 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 | 17.80% | 17.80% | 19.06% | 11.11% | $318.2M |
| Q4 2023 | 17.65% | 17.65% | 18.91% | 11.15% | $322.7M |
| Q1 2024 | 17.98% | 17.98% | 19.24% | 11.68% | $322.2M |
| Q2 2024 | 19.04% | 19.04% | 20.30% | 11.91% | $308.7M |
| Q3 2024 | 18.77% | 18.77% | 20.03% | 11.66% | $320.0M |
| Q4 2024 | 18.66% | 18.66% | 19.92% | 11.12% | $322.8M |
| Q1 2025 | 19.17% | 19.17% | 20.42% | 11.02% | $317.6M |
| Q2 2025 | 18.95% | 18.95% | 20.20% | 11.38% | $326.1M |
| Q3 2025 | 19.01% | 19.01% | 20.27% | 11.29% | $328.9M |
| Q4 2025 | 18.41% | 18.41% | 19.67% | 10.86% | $344.7M |
| Q1 2026 | 18.91% | 18.91% | 20.17% | 11.15% | $344.2M |
| Q2 2026 | 19.66% | 19.66% | 20.91% | 11.70% | $338.3M |
Baraboo State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Baraboo State 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 Baraboo State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12788) · FFIEC NIC profile (RSSD 24949)