The New Washington State Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 9.33% +0.33 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $73.1M | 73,062 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $783.1M | 783,063 | RCOAA224 |
| Recomputed ratio | 9.33% | numerator / denominator | |
| Filed ratio | 9.33% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.33 pp | $2.6M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 32,245 | 32,245 | 32,245 | 12,995 | 12,995 | 12,995 | RCOAP742 |
| Retained earnings | 48,314 | 50,108 | 48,864 | 48,950 | 48,038 | 47,800 | RCOAKW00 |
| Accumulated other comprehensive income | (10,564) | (10,258) | (9,799) | (10,383) | (11,340) | (12,066) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 69,995 | 72,095 | 71,310 | 51,562 | 49,693 | 48,729 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,067 | 2,845 | 2,270 | 10,363 | 11,320 | 12,046 | P859 - P840 |
| Common equity Tier 1 capital | 73,062 | 74,940 | 73,580 | 61,925 | 61,013 | 60,775 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 73,062 | 74,940 | 73,580 | 61,925 | 61,013 | 60,775 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 783,063 | 767,325 | 760,253 | 652,936 | 634,594 | 612,084 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 9.33% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.77% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 9.68% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 9.48% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 9.61% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 9.93% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 10.12% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 10.24% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 10.68% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 10.79% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.91% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.03% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| The New Washington State Bank (this bank) | CBLR | NA | NA | NA | 9.33% | |
| The Pitney Bowes Bank Inc. | $796.3M | CBLR | NA | NA | NA | 12.37% |
| American Federal Bank | $795.8M | Risk-based | 12.92% | 12.92% | 14.17% | 9.32% |
| Primebank | $800.6M | Risk-based | 12.41% | 12.41% | 13.47% | 10.99% |
| First Community Bank | $794.4M | CBLR | NA | NA | NA | 10.36% |
| Decorah Bank and Trust Company | $794.1M | Risk-based | 13.13% | 13.13% | 14.38% | 10.41% |
| Western State Bank | $802.1M | Risk-based | 13.78% | 13.78% | 15.04% | 10.69% |
| Farmers Bank & Trust Company | $794.0M | Risk-based | 11.43% | 11.43% | 12.16% | 9.24% |
| Bank of Bridger, N.A. | $802.7M | Risk-based | 19.23% | 19.23% | 20.48% | 10.08% |
| Flagship Bank | $802.8M | CBLR | NA | NA | NA | 11.69% |
| River Valley Community Bank | $793.1M | Risk-based | 13.82% | 13.82% | 14.90% | 8.73% |
| Peer 25th percentile | 12.67% | 12.67% | 13.82% | 9.51% | ||
| Peer median | 13.13% | 13.13% | 14.38% | 10.39% | ||
| Peer 75th percentile | 13.80% | 13.80% | 14.97% | 10.91% | ||
| This bank's percentile | NA | NA | NA | 30 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/305442/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.