Clare Bank, 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 largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which rose 7.3% to -$9.3M. On CET1 ratio, Clare Bank, N.A. ranks 7th highest among the 85 banks headquartered in Wisconsin, at 24.17% (Q2 2026). Against a median of 15.07% for banks in the $100M-1B asset tier, Clare Bank, N.A. reported 24.17% on CET1 ratio in Q2 2026, 9.10 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 24.17% |
| Tier 1 risk-based capital ratio | 24.17% |
| Total risk-based capital ratio | 24.71% |
| Tier 1 leverage ratio | 11.64% |
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 | $40.2M |
| Tier 1 capital | $40.2M |
| Total risk-based capital | $41.1M |
| Total equity capital | $31.1M |
| Risk-weighted assets | $166.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.36% |
| Tangible equity to tangible assets | 9.31% |
| Equity capital to average assets | 9.00% |
| Internal capital growth rate | -0.85% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $3.5M |
| Retained earnings | $35.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.3M |
| 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 | — | — | — | 10.96% | — |
| Q4 2023 | 29.80% | 29.80% | 30.36% | 11.17% | $126.1M |
| Q1 2024 | — | — | — | 11.08% | — |
| Q2 2024 | 29.05% | 29.05% | 29.59% | 11.30% | $129.5M |
| Q3 2024 | — | — | — | 11.21% | — |
| Q4 2024 | 26.03% | 26.03% | 26.55% | 11.54% | $146.0M |
| Q1 2025 | — | — | — | 11.49% | — |
| Q2 2025 | 26.31% | 26.31% | 26.83% | 11.78% | $148.3M |
| Q3 2025 | — | — | — | 11.79% | — |
| Q4 2025 | 24.47% | 24.47% | 25.00% | 11.53% | $161.1M |
| Q1 2026 | — | — | — | 11.29% | — |
| Q2 2026 | 24.17% | 24.17% | 24.71% | 11.64% | $166.3M |
Clare Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Clare Bank, 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 Clare Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1022) · FFIEC NIC profile (RSSD 988144)