Johnson 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%.
Compared with Q1 2026, Retained earnings fell 3.8% in Q2 2026 to $406.8M, the biggest move on this page. Within Wisconsin, Johnson Bank is 25th of 85 on CET1 ratio, 15.62% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Johnson Bank sits 2.12 points higher, at 15.62% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.62% |
| Tier 1 risk-based capital ratio | 15.62% |
| Total risk-based capital ratio | 16.87% |
| Tier 1 leverage ratio | 12.33% |
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 | $862.6M |
| Tier 1 capital | $862.6M |
| Total risk-based capital | $931.7M |
| Total equity capital | $862.6M |
| Risk-weighted assets | $5.52B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.20% |
| Tangible equity to tangible assets | 12.03% |
| Equity capital to average assets | 12.31% |
| Internal capital growth rate | -7.20% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.5M |
| Common stock surplus | $464.5M |
| Retained earnings | $406.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.2M |
| 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 | 15.90% | 15.90% | 17.15% | 12.51% | $4.95B |
| Q4 2023 | 16.60% | 16.60% | 17.85% | 12.71% | $4.84B |
| Q1 2024 | 16.54% | 16.54% | 17.79% | 13.00% | $4.95B |
| Q2 2024 | 15.54% | 15.54% | 16.80% | 12.41% | $5.12B |
| Q3 2024 | 15.34% | 15.34% | 16.60% | 12.24% | $5.27B |
| Q4 2024 | 15.50% | 15.50% | 16.75% | 12.39% | $5.30B |
| Q1 2025 | 15.60% | 15.60% | 16.85% | 12.53% | $5.38B |
| Q2 2025 | 14.62% | 14.62% | 15.87% | 11.78% | $5.56B |
| Q3 2025 | 14.88% | 14.88% | 16.14% | 11.98% | $5.61B |
| Q4 2025 | 15.64% | 15.64% | 16.89% | 11.96% | $5.48B |
| Q1 2026 | 16.04% | 16.04% | 17.30% | 12.47% | $5.48B |
| Q2 2026 | 15.62% | 15.62% | 16.87% | 12.33% | $5.52B |
Johnson Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Johnson 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 Johnson Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20296) · FFIEC NIC profile (RSSD 58243)