Dewey 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.
Retained earnings climbed 7.8% in Q2 2026, from $1.6M to $1.7M. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Dewey Bank is 126th of 198 on CET1 ratio, 13.69% as of Q2 2026. The median for banks in the < $100M asset tier is 19.96% on CET1 ratio. Dewey Bank sits 6.27 points lower, at 13.69% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.69% |
| Tier 1 risk-based capital ratio | 13.69% |
| Total risk-based capital ratio | 14.14% |
| Tier 1 leverage ratio | 10.58% |
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 | $3.2M |
| Tier 1 capital | $3.2M |
| Total risk-based capital | $3.3M |
| Total equity capital | $4.0M |
| Risk-weighted assets | $23.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.09% |
| Tangible equity to tangible assets | 10.56% |
| Equity capital to average assets | 12.89% |
| Internal capital growth rate | 12.85% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $342K |
| Common stock surplus | $2.0M |
| Retained earnings | $1.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$58K |
| 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 | 11.74% | 11.74% | 12.22% | 8.96% | $20.6M |
| Q4 2023 | 10.78% | 10.78% | 11.24% | 8.85% | $22.1M |
| Q1 2024 | 11.76% | 11.76% | 12.26% | 8.74% | $20.6M |
| Q2 2024 | 11.68% | 11.68% | 12.15% | 9.40% | $21.4M |
| Q3 2024 | 11.47% | 11.47% | 11.91% | 9.19% | $22.5M |
| Q4 2024 | 11.54% | 11.54% | 11.97% | 9.22% | $22.8M |
| Q1 2025 | 11.86% | 11.86% | 12.31% | 9.40% | $22.9M |
| Q2 2025 | 12.07% | 12.07% | 12.52% | 9.39% | $23.4M |
| Q3 2025 | 12.38% | 12.38% | 12.82% | 9.72% | $23.8M |
| Q4 2025 | 12.63% | 12.63% | 13.06% | 9.46% | $23.9M |
| Q1 2026 | 13.05% | 13.05% | 13.49% | 9.94% | $23.3M |
| Q2 2026 | 13.69% | 13.69% | 14.14% | 10.58% | $23.1M |
Dewey Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Dewey 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 Dewey Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10803) · FFIEC NIC profile (RSSD 846132)