The Northwestern 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%.
The biggest quarter-over-quarter change on this page was a small one: Retained earnings edged up 1.9% between Q1 2026 and Q2 2026, to $72.1M.
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 | 11.22% |
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 | $80.9M |
| Tier 1 capital | $80.9M |
| Total risk-based capital | — |
| Total equity capital | $75.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.36% |
| Tangible equity to tangible assets | 10.36% |
| Equity capital to average assets | 10.42% |
| Internal capital growth rate | 7.17% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.8M |
| Common stock surplus | $5.0M |
| Retained earnings | $72.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.8M |
| 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 | 11.88% | 11.88% | 13.14% | 9.97% | $541.0M |
| Q4 2023 | 11.05% | 11.05% | 12.31% | 9.79% | $583.7M |
| Q1 2024 | 11.23% | 11.23% | 12.49% | 9.91% | $588.6M |
| Q2 2024 | 11.08% | 11.08% | 12.34% | 9.53% | $602.1M |
| Q3 2024 | 11.30% | 11.30% | 12.56% | 9.60% | $605.4M |
| Q4 2024 | 11.40% | 11.40% | 12.66% | 9.59% | $607.0M |
| Q1 2025 | 11.69% | 11.69% | 12.95% | 10.06% | $609.3M |
| Q2 2025 | 11.85% | 11.85% | 13.11% | 10.30% | $612.1M |
| Q3 2025 | 13.79% | 13.79% | 15.06% | 10.59% | $542.2M |
| Q4 2025 | 12.65% | 12.65% | 13.91% | 10.68% | $593.9M |
| Q1 2026 | 12.99% | 12.99% | 14.25% | 11.10% | $612.6M |
| Q2 2026 | — | — | — | 11.22% | — |
The Northwestern Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Northwestern 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 The Northwestern Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2468) · FFIEC NIC profile (RSSD 153054)