The First Trust and Savings Bank of Watseka: 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%.
Accumulated other comprehensive income fell 6.3% from Q1 2026 to Q2 2026, ending at -$4.9M against -$4.6M. It was the largest change among the key lines on this page.
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 | 16.10% |
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 | $55.2M |
| Tier 1 capital | $55.2M |
| Total risk-based capital | — |
| Total equity capital | $50.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.93% |
| Tangible equity to tangible assets | 14.93% |
| Equity capital to average assets | 14.69% |
| Internal capital growth rate | 6.98% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $5.4M |
| Retained earnings | $49.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.9M |
| 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 | 14.95% | 13.04% | 13.04% |
| Q4 2023 | 14.97% | 14.02% | 14.02% |
| Q1 2024 | 15.52% | 14.54% | 14.54% |
| Q2 2024 | 15.62% | 14.12% | 14.12% |
| Q3 2024 | 15.38% | 14.24% | 14.24% |
| Q4 2024 | 14.95% | 14.27% | 14.27% |
| Q1 2025 | 15.63% | 15.04% | 15.04% |
| Q2 2025 | 16.41% | 15.06% | 15.06% |
| Q3 2025 | 16.40% | 15.58% | 15.58% |
| Q4 2025 | 16.26% | 15.61% | 15.61% |
| Q1 2026 | 16.20% | 14.93% | 14.93% |
| Q2 2026 | 16.10% | 14.93% | 14.93% |
The First Trust and Savings Bank of Watseka regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The First Trust and Savings Bank of Watseka, 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 Trust and Savings Bank of Watseka profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10831) · FFIEC NIC profile (RSSD 193649)