Bluff View 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 standout move of Q2 2026 was in Accumulated other comprehensive income: 38.3% higher than in Q1 2026, at -$1.1M. Within Wisconsin, Bluff View Bank is 13th of 85 on CET1 ratio, 20.04% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Bluff View Bank sits 4.97 points higher, at 20.04% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.04% |
| Tier 1 risk-based capital ratio | 20.04% |
| Total risk-based capital ratio | 20.95% |
| Tier 1 leverage ratio | 14.94% |
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 | $23.4M |
| Tier 1 capital | $23.4M |
| Total risk-based capital | $24.5M |
| Total equity capital | $22.3M |
| Risk-weighted assets | $116.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.61% |
| Tangible equity to tangible assets | 14.61% |
| Equity capital to average assets | 14.25% |
| Internal capital growth rate | 4.20% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $1.6M |
| Retained earnings | $21.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | 20.71% | 20.71% | 21.58% | 16.34% | $110.9M |
| Q4 2023 | 21.27% | 21.27% | 22.15% | 16.29% | $109.7M |
| Q1 2024 | 21.11% | 21.11% | 21.99% | 16.41% | $110.9M |
| Q2 2024 | 20.72% | 20.72% | 21.56% | 16.43% | $113.1M |
| Q3 2024 | 18.85% | 18.85% | 19.71% | 14.88% | $114.8M |
| Q4 2024 | 19.07% | 19.07% | 19.94% | 14.81% | $116.3M |
| Q1 2025 | 19.38% | 19.38% | 20.26% | 15.07% | $114.6M |
| Q2 2025 | 18.76% | 18.76% | 19.59% | 15.05% | $119.5M |
| Q3 2025 | 18.03% | 18.03% | 18.83% | 14.44% | $126.0M |
| Q4 2025 | 19.11% | 19.11% | 19.93% | 14.56% | $122.5M |
| Q1 2026 | 20.83% | 20.83% | 21.76% | 14.93% | $111.3M |
| Q2 2026 | 20.04% | 20.04% | 20.95% | 14.94% | $116.8M |
Bluff View Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bluff View 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 Bluff View Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8693) · FFIEC NIC profile (RSSD 167453)