Ccfbank N.A.: 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 biggest quarter-over-quarter change on this page was a small one: Accumulated other comprehensive income edged up 1.8% between Q1 2026 and Q2 2026, to -$12.0M. Within Wisconsin, Ccfbank N.A. is 47th of 85 on CET1 ratio, 12.94% as of Q2 2026, below the middle of the field. Ccfbank N.A. reported 12.94% on CET1 ratio for Q2 2026, 0.54 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.94% |
| Tier 1 risk-based capital ratio | 12.94% |
| Total risk-based capital ratio | 14.19% |
| Tier 1 leverage ratio | 11.21% |
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 | $197.9M |
| Tier 1 capital | $197.9M |
| Total risk-based capital | $217.1M |
| Total equity capital | $217.6M |
| Risk-weighted assets | $1.53B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.01% |
| Tangible equity to tangible assets | 10.44% |
| Equity capital to average assets | 12.11% |
| Internal capital growth rate | -0.94% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $37K |
| Common stock surplus | $190.8M |
| Retained earnings | $38.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.0M |
| 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 | 13.32% | 13.32% | 14.57% | 11.60% | $1.57B |
| Q4 2023 | 13.37% | 13.37% | 14.61% | 11.52% | $1.56B |
| Q1 2024 | 13.66% | 13.66% | 14.91% | 11.69% | $1.54B |
| Q2 2024 | 13.75% | 13.75% | 15.00% | 11.70% | $1.52B |
| Q3 2024 | 13.79% | 13.79% | 15.00% | 11.71% | $1.51B |
| Q4 2024 | 14.36% | 14.36% | 15.58% | 11.91% | $1.45B |
| Q1 2025 | 14.34% | 14.34% | 15.59% | 12.03% | $1.45B |
| Q2 2025 | 14.42% | 14.42% | 15.67% | 12.22% | $1.45B |
| Q3 2025 | 14.61% | 14.61% | 15.87% | 12.24% | $1.43B |
| Q4 2025 | 13.37% | 13.37% | 14.62% | 11.33% | $1.46B |
| Q1 2026 | 13.15% | 13.15% | 14.41% | 11.32% | $1.51B |
| Q2 2026 | 12.94% | 12.94% | 14.19% | 11.21% | $1.53B |
Ccfbank N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Ccfbank N.A., 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 Ccfbank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57265) · FFIEC NIC profile (RSSD 962890)