BLC Community 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.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 3.9% to $38.1M. BLC Community Bank ranks 54th of 85 Wisconsin banks on CET1 ratio, in the lower half at 12.28% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. BLC Community Bank sits 2.80 points lower, at 12.28% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.28% |
| Tier 1 risk-based capital ratio | 12.28% |
| Total risk-based capital ratio | 13.35% |
| Tier 1 leverage ratio | 10.22% |
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 | $48.6M |
| Tier 1 capital | $48.6M |
| Total risk-based capital | $52.9M |
| Total equity capital | $44.1M |
| Risk-weighted assets | $396.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.28% |
| Tangible equity to tangible assets | 9.28% |
| Equity capital to average assets | 9.28% |
| Internal capital growth rate | 13.53% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $240K |
| Common stock surplus | $10.3M |
| Retained earnings | $38.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.5M |
| 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 | 13.31% | 13.31% | 14.42% | 10.43% | $309.4M |
| Q4 2023 | 13.16% | 13.16% | 14.29% | 10.12% | $314.3M |
| Q1 2024 | 12.72% | 12.72% | 13.82% | 10.34% | $327.2M |
| Q2 2024 | 12.46% | 12.46% | 13.53% | 10.16% | $337.8M |
| Q3 2024 | 12.62% | 12.62% | 13.71% | 10.04% | $337.2M |
| Q4 2024 | 12.66% | 12.66% | 13.76% | 10.07% | $339.1M |
| Q1 2025 | 12.69% | 12.69% | 13.78% | 10.38% | $344.2M |
| Q2 2025 | 12.51% | 12.51% | 13.58% | 10.20% | $355.3M |
| Q3 2025 | 12.61% | 12.61% | 13.69% | 10.17% | $360.1M |
| Q4 2025 | 11.54% | 11.54% | 12.55% | 9.69% | $397.3M |
| Q1 2026 | 11.79% | 11.79% | 12.82% | 9.96% | $400.2M |
| Q2 2026 | 12.28% | 12.28% | 13.35% | 10.22% | $396.0M |
BLC Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock BLC Community 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 BLC Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11608) · FFIEC NIC profile (RSSD 578741)