First Federal Bank of Wisconsin: 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 Accumulated other comprehensive income: 8.8% higher than in Q1 2026, at -$1.2M. Among 85 Wisconsin banks, First Federal Bank of Wisconsin sits 6th from the top on CET1 ratio, 25.34% as of Q2 2026. Against a median of 15.07% for banks in the $100M-1B asset tier, First Federal Bank of Wisconsin reported 25.34% on CET1 ratio in Q2 2026, 10.27 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 25.34% |
| Tier 1 risk-based capital ratio | 25.34% |
| Total risk-based capital ratio | 26.59% |
| Tier 1 leverage ratio | 22.54% |
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 | $64.3M |
| Tier 1 capital | $64.3M |
| Total risk-based capital | $67.5M |
| Total equity capital | $63.1M |
| Risk-weighted assets | $253.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 22.09% |
| Tangible equity to tangible assets | 22.08% |
| Equity capital to average assets | 22.13% |
| Internal capital growth rate | 4.68% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $35.2M |
| Retained earnings | $29.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.2M |
| 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 | 24.75% | 24.75% | 25.88% | 21.43% | $286.1M |
| Q4 2023 | 23.81% | 23.81% | 25.02% | 20.20% | $276.7M |
| Q1 2024 | 22.56% | 22.56% | 23.70% | 20.51% | $294.0M |
| Q2 2024 | 24.57% | 24.57% | 25.80% | 21.00% | $272.9M |
| Q3 2024 | 26.54% | 26.54% | 27.79% | 22.14% | $256.5M |
| Q4 2024 | 26.78% | 26.78% | 28.03% | 22.93% | $256.1M |
| Q1 2025 | 27.06% | 27.06% | 28.29% | 23.80% | $261.4M |
| Q2 2025 | 26.69% | 26.69% | 27.94% | 23.08% | $248.5M |
| Q3 2025 | 24.40% | 24.40% | 25.64% | 22.18% | $254.1M |
| Q4 2025 | 25.07% | 25.07% | 26.32% | 22.40% | $251.0M |
| Q1 2026 | 25.81% | 25.81% | 27.06% | 22.14% | $246.3M |
| Q2 2026 | 25.34% | 25.34% | 26.59% | 22.54% | $253.9M |
First Federal Bank of Wisconsin regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Bank of Wisconsin, 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 Federal Bank of Wisconsin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30422) · FFIEC NIC profile (RSSD 331076)