Coulee 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 largest change between Q1 2026 and Q2 2026 was in Equity capital to average assets, which rose 0.61 percentage points to 7.37%. Within Wisconsin, Coulee Bank is 68th of 85 on CET1 ratio, 11.54% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Coulee Bank sits 3.55 points lower, at 11.54% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.54% |
| Tier 1 risk-based capital ratio | 11.54% |
| Total risk-based capital ratio | 12.79% |
| Tier 1 leverage ratio | 9.13% |
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 | $48.4M |
| Tier 1 capital | $48.4M |
| Total risk-based capital | $53.7M |
| Total equity capital | $39.1M |
| Risk-weighted assets | $419.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.46% |
| Tangible equity to tangible assets | 7.36% |
| Equity capital to average assets | 7.37% |
| Internal capital growth rate | 6.13% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $250K |
| Common stock surplus | $18.9M |
| Retained earnings | $29.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.9M |
| 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 | 12.53% | 12.53% | 13.64% | 9.53% | $430.0M |
| Q4 2023 | 12.29% | 12.29% | 13.41% | 9.30% | $436.0M |
| Q1 2024 | 12.08% | 12.08% | 13.20% | 9.18% | $443.0M |
| Q2 2024 | 12.17% | 12.17% | 13.32% | 9.12% | $440.0M |
| Q3 2024 | 11.97% | 11.97% | 13.14% | 9.09% | $445.0M |
| Q4 2024 | 12.30% | 12.30% | 13.48% | 9.24% | $435.5M |
| Q1 2025 | 12.25% | 12.25% | 13.44% | 9.33% | $436.8M |
| Q2 2025 | 11.04% | 11.04% | 12.30% | 8.58% | $440.4M |
| Q3 2025 | 11.44% | 11.44% | 12.69% | 8.79% | $428.3M |
| Q4 2025 | 10.77% | 10.77% | 12.02% | 8.54% | $438.1M |
| Q1 2026 | 11.24% | 11.24% | 12.50% | 8.52% | $425.5M |
| Q2 2026 | 11.54% | 11.54% | 12.79% | 9.13% | $419.8M |
Coulee Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Coulee 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 Coulee Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18361) · FFIEC NIC profile (RSSD 457752)