Finwise 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.
Equity capital to average assets climbed 1.24 percentage points in Q2 2026, from 17.20% to 18.45%. It was the largest change from Q1 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 18.05% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $159.8M |
| Tier 1 capital | $159.8M |
| Total risk-based capital | — |
| Total equity capital | $164.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 17.92% |
| Tangible equity to tangible assets | 17.54% |
| Equity capital to average assets | 18.45% |
| Internal capital growth rate | 7.37% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $438K |
| Common stock surplus | $10.8M |
| Retained earnings | $152.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $14K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 22.12% | 21.30% | 20.41% |
| Q4 2023 | 20.72% | 20.96% | 20.15% |
| Q1 2024 | 20.61% | 21.02% | 20.27% |
| Q2 2024 | 20.81% | 21.59% | 20.91% |
| Q3 2024 | 20.28% | 20.31% | 19.74% |
| Q4 2024 | 20.58% | 19.13% | 18.62% |
| Q1 2025 | 18.80% | 18.04% | 17.57% |
| Q2 2025 | 17.97% | 17.76% | 17.34% |
| Q3 2025 | 17.19% | 17.06% | 16.68% |
| Q4 2025 | 16.90% | 16.29% | 15.91% |
| Q1 2026 | 16.81% | 18.11% | 17.71% |
| Q2 2026 | 18.05% | 17.92% | 17.54% |
Finwise Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Finwise 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 Finwise Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35323) · FFIEC NIC profile (RSSD 2880019)