Bay 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%.
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.
Risk-weighted assets rose 3.6% from Q1 2026 to Q2 2026, ending at $157.9M against $152.4M. It was the largest change among the key lines on this page. On CET1 ratio, Bay Bank ranks 8th highest among the 85 banks headquartered in Wisconsin, at 22.31% (Q2 2026). Bay Bank reported 22.31% on CET1 ratio for Q2 2026, 7.23 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 | 22.31% |
| Tier 1 risk-based capital ratio | 22.31% |
| Total risk-based capital ratio | 23.56% |
| Tier 1 leverage ratio | 11.19% |
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 | $35.2M |
| Tier 1 capital | $35.2M |
| Total risk-based capital | $37.2M |
| Total equity capital | $31.3M |
| Risk-weighted assets | $157.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.92% |
| Tangible equity to tangible assets | 9.92% |
| Equity capital to average assets | 9.95% |
| Internal capital growth rate | 11.61% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $5.8M |
| Retained earnings | $27.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.9M |
| 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 | 21.62% | 21.62% | 22.87% | 10.50% | $108.0M |
| Q4 2023 | 20.76% | 20.76% | 22.01% | 9.83% | $117.4M |
| Q1 2024 | 21.16% | 21.16% | 22.41% | 9.65% | $119.7M |
| Q2 2024 | 21.21% | 21.21% | 22.46% | 9.94% | $123.7M |
| Q3 2024 | 20.99% | 20.99% | 22.24% | 10.17% | $129.7M |
| Q4 2024 | 21.08% | 21.08% | 22.33% | 9.92% | $133.8M |
| Q1 2025 | 21.52% | 21.52% | 22.77% | 10.02% | $141.1M |
| Q2 2025 | 21.40% | 21.40% | 22.65% | 10.25% | $146.8M |
| Q3 2025 | 22.18% | 22.18% | 23.44% | 10.75% | $145.9M |
| Q4 2025 | 23.27% | 23.27% | 24.53% | 10.77% | $143.8M |
| Q1 2026 | 22.53% | 22.53% | 23.79% | 11.10% | $152.4M |
| Q2 2026 | 22.31% | 22.31% | 23.56% | 11.19% | $157.9M |
Bay Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bay 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 Bay Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34052) · FFIEC NIC profile (RSSD 2329200)