Forward 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%.
Common stock surplus climbed 127.0% in Q2 2026, from $15.8M to $35.8M. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Forward Bank is 75th of 85 on CET1 ratio, 10.94% as of Q2 2026. Forward Bank reported 10.94% on CET1 ratio for Q2 2026, 2.55 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 | 10.94% |
| Tier 1 risk-based capital ratio | 11.85% |
| Total risk-based capital ratio | 12.83% |
| Tier 1 leverage ratio | 9.18% |
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 | $105.2M |
| Tier 1 capital | $113.9M |
| Total risk-based capital | $123.3M |
| Total equity capital | $118.7M |
| Risk-weighted assets | $961.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.25% |
| Tangible equity to tangible assets | 8.08% |
| Equity capital to average assets | 9.44% |
| Internal capital growth rate | 8.99% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $35.8M |
| Retained earnings | $85.9M |
| Preferred stock and surplus | $8.7M |
| Accumulated other comprehensive income | -$11.6M |
| 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 | 10.97% | 10.97% | 11.80% | 8.40% | $736.6M |
| Q4 2023 | 10.65% | 10.65% | 11.49% | 8.13% | $756.9M |
| Q1 2024 | 10.68% | 10.68% | 11.52% | 8.26% | $772.2M |
| Q2 2024 | 11.15% | 11.15% | 12.08% | 8.58% | $814.7M |
| Q3 2024 | 11.28% | 11.28% | 12.21% | 8.39% | $830.0M |
| Q4 2024 | 10.94% | 10.94% | 11.88% | 8.40% | $849.1M |
| Q1 2025 | 11.22% | 11.22% | 12.18% | 8.57% | $847.1M |
| Q2 2025 | 11.22% | 11.22% | 12.18% | 8.73% | $868.8M |
| Q3 2025 | 11.73% | 11.73% | 12.71% | 8.82% | $852.3M |
| Q4 2025 | 11.29% | 11.29% | 12.26% | 8.63% | $884.0M |
| Q1 2026 | 11.28% | 12.24% | 13.20% | 9.36% | $910.2M |
| Q2 2026 | 10.94% | 11.85% | 12.83% | 9.18% | $961.4M |
Forward Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Forward 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 Forward Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28530) · FFIEC NIC profile (RSSD 313577)