Bonduel 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%.
Equity capital to average assets rose 0.44 percentage points from Q1 2026 to Q2 2026, ending at 13.44% against 13.00%. It was the largest change among the key lines on this page. Bonduel State Bank ranks 12th of 85 Wisconsin banks on CET1 ratio, in the upper half at 21.55% (Q2 2026). Bonduel State Bank reported 21.55% on CET1 ratio for Q2 2026, 6.47 points above 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 | 21.55% |
| Tier 1 risk-based capital ratio | 21.55% |
| Total risk-based capital ratio | 22.46% |
| Tier 1 leverage ratio | 14.04% |
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 | $18.4M |
| Tier 1 capital | $18.4M |
| Total risk-based capital | $19.2M |
| Total equity capital | $17.7M |
| Risk-weighted assets | $85.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.37% |
| Tangible equity to tangible assets | 13.37% |
| Equity capital to average assets | 13.44% |
| Internal capital growth rate | 10.37% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $250K |
| Common stock surplus | $1.9M |
| Retained earnings | $16.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$782K |
| 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 | 23.32% | 23.32% | 24.06% | 15.03% | $64.5M |
| Q4 2023 | 23.55% | 23.55% | 24.29% | 15.39% | $66.5M |
| Q1 2024 | 21.88% | 21.88% | 22.57% | 14.83% | $72.6M |
| Q2 2024 | 21.06% | 21.06% | 21.77% | 14.21% | $75.8M |
| Q3 2024 | 21.34% | 21.34% | 22.10% | 14.11% | $76.2M |
| Q4 2024 | 20.49% | 20.49% | 21.26% | 13.84% | $80.0M |
| Q1 2025 | 20.46% | 20.46% | 21.22% | 14.09% | $82.1M |
| Q2 2025 | 20.81% | 20.81% | 21.61% | 13.92% | $81.7M |
| Q3 2025 | 21.32% | 21.32% | 22.14% | 14.09% | $81.6M |
| Q4 2025 | 20.99% | 20.99% | 21.89% | 13.73% | $83.5M |
| Q1 2026 | 21.41% | 21.41% | 22.30% | 13.72% | $84.0M |
| Q2 2026 | 21.55% | 21.55% | 22.46% | 14.04% | $85.6M |
Bonduel State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bonduel 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 Bonduel State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11235) · FFIEC NIC profile (RSSD 35646)