CBW 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 standout move of Q2 2026 was in Total risk-based capital ratio: 25.69 percentage points lower than in Q1 2026, at 147.87%. Among 86 Kansas banks, CBW Bank sits 2nd from the top on CET1 ratio, 146.86% as of Q2 2026. Against a median of 19.96% for banks in the < $100M asset tier, CBW Bank reported 146.86% on CET1 ratio in Q2 2026, 126.90 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 146.86% |
| Tier 1 risk-based capital ratio | 146.86% |
| Total risk-based capital ratio | 147.87% |
| Tier 1 leverage ratio | 28.35% |
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 | $25.2M |
| Tier 1 capital | $25.2M |
| Total risk-based capital | $25.4M |
| Total equity capital | $25.2M |
| Risk-weighted assets | $17.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 31.30% |
| Tangible equity to tangible assets | 31.30% |
| Equity capital to average assets | 28.33% |
| Internal capital growth rate | 23.26% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $25K |
| Common stock surplus | $1.2M |
| Retained earnings | $24.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11K |
| 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 | 106.44% | 106.44% | 107.26% | 25.70% | $19.9M |
| Q4 2023 | 163.67% | 163.67% | 164.92% | 26.27% | $13.7M |
| Q1 2024 | 166.17% | 166.17% | 167.42% | 28.70% | $13.4M |
| Q2 2024 | 100.27% | 100.27% | 101.04% | 27.60% | $22.6M |
| Q3 2024 | 131.54% | 131.54% | 132.56% | 27.01% | $17.5M |
| Q4 2024 | 140.35% | 140.35% | 141.41% | 24.62% | $16.9M |
| Q1 2025 | 186.52% | 186.52% | 187.78% | 27.35% | $12.7M |
| Q2 2025 | 170.22% | 170.22% | 171.47% | 27.75% | $14.0M |
| Q3 2025 | 127.59% | 127.59% | 128.46% | 26.79% | $18.8M |
| Q4 2025 | 211.40% | 211.40% | 212.65% | 32.73% | $11.6M |
| Q1 2026 | 172.44% | 172.44% | 173.56% | 28.66% | $13.8M |
| Q2 2026 | 146.86% | 146.86% | 147.87% | 28.35% | $17.2M |
CBW Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock CBW 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 CBW Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13959) · FFIEC NIC profile (RSSD 71859)