Black River Country 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%.
Compared with Q1 2026, Accumulated other comprehensive income fell 2.7% in Q2 2026 to -$1.7M, the biggest move on this page. Black River Country Bank ranks 55th of 85 Wisconsin banks on CET1 ratio, in the lower half at 12.26% (Q2 2026). Black River Country Bank reported 12.26% on CET1 ratio for Q2 2026, 2.81 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.26% |
| Tier 1 risk-based capital ratio | 12.26% |
| Total risk-based capital ratio | 13.52% |
| Tier 1 leverage ratio | 8.94% |
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 | $9.3M |
| Tier 1 capital | $9.3M |
| Total risk-based capital | $10.3M |
| Total equity capital | $7.7M |
| Risk-weighted assets | $76.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.55% |
| Tangible equity to tangible assets | 7.55% |
| Equity capital to average assets | 7.35% |
| Internal capital growth rate | 4.34% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $180K |
| Common stock surplus | $3.0M |
| Retained earnings | $6.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.7M |
| 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 | 13.21% | 13.21% | 14.46% | 9.12% | $70.2M |
| Q4 2023 | 12.37% | 12.37% | 13.63% | 8.70% | $72.2M |
| Q1 2024 | 13.61% | 13.61% | 14.86% | 9.00% | $67.1M |
| Q2 2024 | 12.74% | 12.74% | 13.99% | 9.08% | $72.1M |
| Q3 2024 | 12.72% | 12.72% | 13.98% | 9.24% | $73.2M |
| Q4 2024 | 12.43% | 12.43% | 13.68% | 8.79% | $72.3M |
| Q1 2025 | 13.18% | 13.18% | 14.44% | 9.20% | $70.0M |
| Q2 2025 | 12.80% | 12.80% | 14.06% | 9.24% | $73.2M |
| Q3 2025 | 13.16% | 13.16% | 14.42% | 9.44% | $73.0M |
| Q4 2025 | 12.14% | 12.14% | 13.39% | 8.71% | $73.6M |
| Q1 2026 | 12.43% | 12.43% | 13.68% | 8.81% | $74.6M |
| Q2 2026 | 12.26% | 12.26% | 13.52% | 8.94% | $76.3M |
Black River Country Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Black River Country 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 Black River Country Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15152) · FFIEC NIC profile (RSSD 603540)