Columbia Savings and Loan Association: 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 Common equity Tier 1 capital: 11.9% lower than in Q1 2026, at $1.1M. Columbia Savings and Loan Association has the 1st lowest CET1 ratio of the 85 banks headquartered in Wisconsin, at 7.62% as of Q2 2026. Columbia Savings and Loan Association's CET1 ratio of 7.62% is well below the 19.50% median for banks in the < $100M asset tier, a gap of 11.88 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 7.62% |
| Tier 1 risk-based capital ratio | 7.62% |
| Total risk-based capital ratio | 8.87% |
| Tier 1 leverage ratio | 5.46% |
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 | $1.1M |
| Tier 1 capital | $1.1M |
| Total risk-based capital | $1.3M |
| Total equity capital | $1.1M |
| Risk-weighted assets | $14.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 5.49% |
| Tangible equity to tangible assets | 5.49% |
| Equity capital to average assets | 5.46% |
| Internal capital growth rate | -47.78% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $1.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 12.49% | 12.49% | 13.46% | 7.72% | $16.6M |
| Q4 2023 | 12.85% | 12.85% | 13.87% | 7.43% | $16.1M |
| Q1 2024 | 12.98% | 12.98% | 14.06% | 7.61% | $15.7M |
| Q2 2024 | 12.71% | 12.71% | 13.71% | 8.24% | $16.3M |
| Q3 2024 | 11.51% | 11.51% | 12.54% | 8.51% | $17.4M |
| Q4 2024 | — | — | — | 9.03% | — |
| Q1 2025 | — | — | — | 8.97% | — |
| Q2 2025 | — | — | — | 8.58% | — |
| Q3 2025 | — | — | — | 8.45% | — |
| Q4 2025 | 8.78% | 8.78% | 10.03% | 6.84% | $16.8M |
| Q1 2026 | — | — | — | 6.29% | — |
| Q2 2026 | 7.62% | 7.62% | 8.87% | 5.46% | $14.8M |
Columbia Savings and Loan Association regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Columbia Savings and Loan Association, 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 Columbia Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28480) · FFIEC NIC profile (RSSD 596277)