Oakwood 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 standout move of Q2 2026 was in Retained earnings: 10.3% higher than in Q1 2026, at $5.1M. On CET1 ratio, Oakwood Bank is 5th from the bottom among 85 Wisconsin banks, 10.29% (Q2 2026). Oakwood Bank reported 10.29% on CET1 ratio for Q2 2026, 4.78 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.29% |
| Tier 1 risk-based capital ratio | 10.29% |
| Total risk-based capital ratio | 11.34% |
| Tier 1 leverage ratio | 8.48% |
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 | $12.7M |
| Tier 1 capital | $12.7M |
| Total risk-based capital | $14.0M |
| Total equity capital | $16.9M |
| Risk-weighted assets | $123.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.84% |
| Tangible equity to tangible assets | 8.26% |
| Equity capital to average assets | 11.00% |
| Internal capital growth rate | 11.48% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $11.9M |
| Retained earnings | $5.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$143K |
| 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 | 10.10% | 10.10% | 10.97% | 9.15% | $107.2M |
| Q4 2023 | 10.53% | 10.53% | 11.46% | 8.74% | $102.9M |
| Q1 2024 | 10.09% | 10.09% | 11.01% | 8.72% | $108.4M |
| Q2 2024 | 10.83% | 10.83% | 11.80% | 8.96% | $104.3M |
| Q3 2024 | 10.50% | 10.50% | 11.44% | 8.66% | $105.4M |
| Q4 2024 | 10.36% | 10.36% | 11.35% | 8.58% | $107.3M |
| Q1 2025 | 9.91% | 9.91% | 10.90% | 8.41% | $113.5M |
| Q2 2025 | 9.72% | 9.72% | 10.71% | 8.50% | $118.4M |
| Q3 2025 | 9.68% | 9.68% | 10.77% | 8.31% | $120.2M |
| Q4 2025 | 9.80% | 9.80% | 10.89% | 8.32% | $121.5M |
| Q1 2026 | 9.91% | 9.91% | 11.00% | 8.40% | $123.1M |
| Q2 2026 | 10.29% | 10.29% | 11.34% | 8.48% | $123.4M |
Oakwood Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Oakwood 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 Oakwood Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13030) · FFIEC NIC profile (RSSD 37051)