Capitol 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 Equity capital to average assets: 1.01 percentage points higher than in Q1 2026, at 11.97%. Capitol Bank ranks 24th of 85 Wisconsin banks on CET1 ratio, in the upper half at 15.76% (Q2 2026). Capitol Bank reported 15.76% on CET1 ratio for Q2 2026, 0.69 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 | 15.76% |
| Tier 1 risk-based capital ratio | 15.76% |
| Total risk-based capital ratio | 17.01% |
| Tier 1 leverage ratio | 12.42% |
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 | $72.1M |
| Tier 1 capital | $72.1M |
| Total risk-based capital | $77.8M |
| Total equity capital | $69.4M |
| Risk-weighted assets | $457.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.28% |
| Tangible equity to tangible assets | 12.28% |
| Equity capital to average assets | 11.97% |
| Internal capital growth rate | 5.81% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $7.4M |
| Retained earnings | $64.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.6M |
| 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 | 11.92% | 11.92% | 13.09% | 10.58% | $516.3M |
| Q4 2023 | 11.81% | 11.81% | 13.06% | 10.69% | $531.5M |
| Q1 2024 | 12.03% | 12.03% | 13.28% | 10.28% | $527.9M |
| Q2 2024 | 11.92% | 11.92% | 13.17% | 10.71% | $536.7M |
| Q3 2024 | 11.97% | 11.97% | 13.15% | 10.70% | $542.7M |
| Q4 2024 | 12.66% | 12.66% | 13.81% | 10.58% | $518.7M |
| Q1 2025 | 12.90% | 12.90% | 14.07% | 10.20% | $515.8M |
| Q2 2025 | 13.56% | 13.56% | 14.79% | 10.62% | $497.2M |
| Q3 2025 | 14.02% | 14.02% | 15.27% | 11.40% | $491.3M |
| Q4 2025 | 13.92% | 13.92% | 15.17% | 11.43% | $499.6M |
| Q1 2026 | 15.08% | 15.08% | 16.33% | 11.38% | $472.5M |
| Q2 2026 | 15.76% | 15.76% | 17.01% | 12.42% | $457.5M |
Capitol Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Capitol 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 Capitol Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34074) · FFIEC NIC profile (RSSD 2339599)