East Wisconsin 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%.
The standout move of Q2 2026 was in Common stock surplus: 46.4% higher than in Q1 2026, at $7.2M. East Wisconsin Savings Bank ranks 65th of 85 Wisconsin banks on CET1 ratio, in the lower half at 11.80% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. East Wisconsin Savings Bank sits 3.27 points lower, at 11.80% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.80% |
| Tier 1 risk-based capital ratio | 11.80% |
| Total risk-based capital ratio | 12.63% |
| Tier 1 leverage ratio | 7.13% |
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 | $19.0M |
| Tier 1 capital | $19.0M |
| Total risk-based capital | $20.3M |
| Total equity capital | $14.2M |
| Risk-weighted assets | $161.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 5.33% |
| Tangible equity to tangible assets | 5.33% |
| Equity capital to average assets | 5.31% |
| Internal capital growth rate | -8.45% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $7.2M |
| Retained earnings | $12.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.8M |
| 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% | 12.34% | 6.55% | $148.0M |
| Q4 2023 | 11.12% | 11.12% | 11.83% | 6.34% | $148.1M |
| Q1 2024 | 10.67% | 10.67% | 11.36% | 6.17% | $150.9M |
| Q2 2024 | 10.07% | 10.07% | 10.82% | 5.90% | $155.3M |
| Q3 2024 | 12.69% | 12.69% | 13.45% | 7.39% | $155.2M |
| Q4 2024 | 11.75% | 11.75% | 12.52% | 6.92% | $157.6M |
| Q1 2025 | 11.04% | 11.04% | 11.84% | 6.56% | $163.5M |
| Q2 2025 | 10.61% | 10.61% | 11.40% | 6.35% | $167.8M |
| Q3 2025 | 10.37% | 10.37% | 11.15% | 6.01% | $165.5M |
| Q4 2025 | 10.78% | 10.78% | 11.58% | 6.12% | $159.8M |
| Q1 2026 | 10.70% | 10.70% | 11.52% | 6.33% | $158.6M |
| Q2 2026 | 11.80% | 11.80% | 12.63% | 7.13% | $161.0M |
East Wisconsin Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock East Wisconsin 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 East Wisconsin Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30313) · FFIEC NIC profile (RSSD 35879)