The First National Bank of Wakefield: 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%.
Equity capital to average assets dropped 0.83 percentage points in Q3 2026, from 9.19% to 8.36%. It was the largest change from Q2 2026 among the key lines here. Within Michigan, The First National Bank of Wakefield is 5th of 43 on CET1 ratio, 22.25% as of Q3 2026, above the middle of the field. The First National Bank of Wakefield reported 22.25% on CET1 ratio for Q3 2026, 2.74 points above the 19.50% median for banks in the < $100M asset tier; the peer median is as of Q2 2026.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 22.25% |
| Tier 1 risk-based capital ratio | 22.25% |
| Total risk-based capital ratio | 23.34% |
| Tier 1 leverage ratio | 9.92% |
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 | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $5.4M |
| Tier 1 capital | $5.4M |
| Total risk-based capital | $5.6M |
| Total equity capital | $4.5M |
| Risk-weighted assets | $24.2M |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 8.35% |
| Tangible equity to tangible assets | 8.35% |
| Equity capital to average assets | 8.36% |
| Internal capital growth rate | 3.31% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $49K |
| Common stock surplus | $198K |
| Retained earnings | $5.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$842K |
| 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 |
|---|---|---|---|---|---|
| Q4 2023 | 22.33% | 22.33% | 23.59% | 9.21% | $22.9M |
| Q1 2024 | 22.70% | 22.70% | 23.95% | 9.34% | $22.6M |
| Q2 2024 | 22.93% | 22.93% | 24.18% | 9.56% | $22.4M |
| Q3 2024 | 22.39% | 22.39% | 23.58% | 9.02% | $23.1M |
| Q4 2024 | 23.38% | 23.38% | 24.62% | 9.50% | $22.1M |
| Q1 2025 | 23.09% | 23.09% | 24.31% | 9.63% | $22.5M |
| Q2 2025 | 23.16% | 23.16% | 24.38% | 9.81% | $22.6M |
| Q3 2025 | 23.43% | 23.43% | 24.67% | 9.75% | $22.5M |
| Q4 2025 | 23.51% | 23.51% | 24.71% | 9.85% | $22.4M |
| Q1 2026 | 23.72% | 23.72% | 24.92% | 9.56% | $22.3M |
| Q2 2026 | 23.64% | 23.64% | 24.81% | 10.15% | $22.6M |
| Q3 2026 | 22.25% | 22.25% | 23.34% | 9.92% | $24.2M |
The First National Bank of Wakefield regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Wakefield, 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 The First National Bank of Wakefield profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5076) · FFIEC NIC profile (RSSD 292850)