Dewitt Savings 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%.
Accumulated other comprehensive income climbed 40.0% in Q2 2026, from -$4.1M to -$2.5M. It was the largest change from Q1 2026 among the key lines here. Dewitt Savings Bank ranks 43rd of 198 Illinois banks on CET1 ratio, in the upper half at 20.72% (Q2 2026). Dewitt Savings Bank reported 20.72% on CET1 ratio for Q2 2026, 5.65 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.72% |
| Tier 1 risk-based capital ratio | 20.72% |
| Total risk-based capital ratio | 21.22% |
| Tier 1 leverage ratio | 10.47% |
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 | $18.6M |
| Tier 1 capital | $18.6M |
| Total risk-based capital | $19.1M |
| Total equity capital | $16.2M |
| Risk-weighted assets | $89.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.33% |
| Tangible equity to tangible assets | 9.33% |
| Equity capital to average assets | 9.09% |
| Internal capital growth rate | 8.52% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $18.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.5M |
| 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 | 22.20% | 22.20% | 23.12% | 12.29% | $78.3M |
| Q4 2023 | 23.84% | 23.84% | 24.76% | 12.77% | $74.1M |
| Q1 2024 | 21.98% | 21.98% | 22.88% | 12.49% | $79.3M |
| Q2 2024 | 21.32% | 21.32% | 22.15% | 11.98% | $82.1M |
| Q3 2024 | 22.86% | 22.86% | 23.69% | 12.34% | $76.7M |
| Q4 2024 | 21.84% | 21.84% | 22.64% | 12.26% | $80.9M |
| Q1 2025 | 23.51% | 23.51% | 24.27% | 11.66% | $75.4M |
| Q2 2025 | 21.51% | 21.51% | 22.18% | 11.22% | $82.6M |
| Q3 2025 | 20.33% | 20.33% | 21.00% | 10.44% | $88.4M |
| Q4 2025 | 19.70% | 19.70% | 20.29% | 9.82% | $91.9M |
| Q1 2026 | 20.50% | 20.50% | 21.08% | 10.23% | $89.3M |
| Q2 2026 | 20.72% | 20.72% | 21.22% | 10.47% | $89.8M |
Dewitt Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Dewitt Savings 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 Dewitt Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29535) · FFIEC NIC profile (RSSD 324975)