First Business 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.
Compared with Q1 2026, Retained earnings rose 4.6% in Q2 2026 to $332.0M, the biggest move on this page. Within Wisconsin, First Business Bank is 71st of 85 on CET1 ratio, 11.17% as of Q2 2026. First Business Bank reported 11.17% on CET1 ratio for Q2 2026, 2.32 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.17% |
| Tier 1 risk-based capital ratio | 11.17% |
| Total risk-based capital ratio | 12.18% |
| Tier 1 leverage ratio | 10.37% |
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 | $445.3M |
| Tier 1 capital | $445.3M |
| Total risk-based capital | $485.2M |
| Total equity capital | $448.6M |
| Risk-weighted assets | $3.99B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.17% |
| Tangible equity to tangible assets | 9.94% |
| Equity capital to average assets | 10.42% |
| Internal capital growth rate | 13.45% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $700K |
| Common stock surplus | $123.4M |
| Retained earnings | $332.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.4M |
| 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 | 10.27% | 10.27% | 11.22% | 10.16% | $3.26B |
| Q4 2023 | 10.23% | 10.23% | 11.21% | 9.87% | $3.36B |
| Q1 2024 | 10.34% | 10.34% | 11.37% | 9.86% | $3.38B |
| Q2 2024 | 10.44% | 10.44% | 11.46% | 9.89% | $3.43B |
| Q3 2024 | 10.54% | 10.54% | 11.57% | 10.05% | $3.48B |
| Q4 2024 | 10.91% | 10.91% | 11.97% | 10.14% | $3.49B |
| Q1 2025 | 11.10% | 11.10% | 12.15% | 10.15% | $3.52B |
| Q2 2025 | 11.12% | 11.12% | 12.19% | 10.16% | $3.59B |
| Q3 2025 | 11.08% | 11.08% | 12.12% | 10.18% | $3.72B |
| Q4 2025 | 11.16% | 11.16% | 12.16% | 10.11% | $3.79B |
| Q1 2026 | 11.04% | 11.04% | 12.04% | 10.16% | $3.90B |
| Q2 2026 | 11.17% | 11.17% | 12.18% | 10.37% | $3.99B |
First Business Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Business 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 First Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15229) · FFIEC NIC profile (RSSD 537449)