Cumberland Federal Bank, FSB: 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%.
Accumulated other comprehensive income dropped 9.2% in Q2 2026, from -$2.0M to -$2.2M. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Cumberland Federal Bank, FSB is 16th of 85 on CET1 ratio, 17.21% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Cumberland Federal Bank, FSB sits 2.14 points higher, at 17.21% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.21% |
| Tier 1 risk-based capital ratio | 17.21% |
| Total risk-based capital ratio | 18.19% |
| Tier 1 leverage ratio | 10.06% |
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 | $34.4M |
| Tier 1 capital | $34.4M |
| Total risk-based capital | $36.4M |
| Total equity capital | $32.3M |
| Risk-weighted assets | $200.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.44% |
| Tangible equity to tangible assets | 9.44% |
| Equity capital to average assets | 9.43% |
| Internal capital growth rate | 15.44% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $34.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.2M |
| 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 | 17.41% | 17.41% | 18.06% | 9.92% | $149.8M |
| Q4 2023 | 17.83% | 17.83% | 18.55% | 10.04% | $149.0M |
| Q1 2024 | 18.04% | 18.04% | 18.75% | 10.35% | $150.2M |
| Q2 2024 | 17.60% | 17.60% | 18.29% | 10.55% | $157.3M |
| Q3 2024 | 17.44% | 17.44% | 18.10% | 10.02% | $162.6M |
| Q4 2024 | 16.23% | 16.23% | 16.91% | 9.75% | $176.1M |
| Q1 2025 | 16.70% | 16.70% | 17.39% | 9.81% | $176.2M |
| Q2 2025 | 16.53% | 16.53% | 17.26% | 9.86% | $183.8M |
| Q3 2025 | 16.74% | 16.74% | 17.55% | 9.67% | $187.8M |
| Q4 2025 | 16.47% | 16.47% | 17.35% | 9.68% | $194.9M |
| Q1 2026 | 17.27% | 17.27% | 18.22% | 9.97% | $192.4M |
| Q2 2026 | 17.21% | 17.21% | 18.19% | 10.06% | $200.0M |
Cumberland Federal Bank, FSB regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Cumberland Federal Bank, FSB, 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 Cumberland Federal Bank, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29293) · FFIEC NIC profile (RSSD 28675)