Northwest 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Equity capital to average assets: 0.84 percentage points higher than in Q1 2026, at 16.47%.
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 | 16.57% |
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 | $235.2M |
| Tier 1 capital | $235.2M |
| Total risk-based capital | — |
| Total equity capital | $234.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.10% |
| Tangible equity to tangible assets | 16.06% |
| Equity capital to average assets | 16.47% |
| Internal capital growth rate | 9.44% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.5M |
| Common stock surplus | $83.9M |
| Retained earnings | $149.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.5M |
| 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 | 11.83% | 11.14% | 11.09% |
| Q4 2023 | 12.23% | 12.75% | 12.71% |
| Q1 2024 | 13.71% | 12.54% | 12.50% |
| Q2 2024 | 13.20% | 13.38% | 13.35% |
| Q3 2024 | 13.79% | 13.20% | 13.16% |
| Q4 2024 | 13.79% | 13.58% | 13.54% |
| Q1 2025 | 14.27% | 13.53% | 13.49% |
| Q2 2025 | 14.26% | 14.28% | 14.25% |
| Q3 2025 | 15.00% | 15.54% | 15.51% |
| Q4 2025 | 15.27% | 15.19% | 15.17% |
| Q1 2026 | 15.69% | 15.65% | 15.62% |
| Q2 2026 | 16.57% | 16.10% | 16.06% |
Northwest Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Northwest 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 Northwest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58752) · FFIEC NIC profile (RSSD 3678857)