Paper City Savings Bank, S.A.: 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, Equity capital to total assets rose 0.63 percentage points in Q2 2026 to 16.13%, the biggest move on this page. Within Wisconsin, Paper City Savings Bank, S.A. is 9th of 85 on CET1 ratio, 22.24% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Paper City Savings Bank, S.A. sits 7.17 points higher, at 22.24% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 22.24% |
| Tier 1 risk-based capital ratio | 22.24% |
| Total risk-based capital ratio | 23.22% |
| Tier 1 leverage ratio | 16.11% |
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 | $34.0M |
| Tier 1 capital | $34.0M |
| Total risk-based capital | $35.5M |
| Total equity capital | $33.6M |
| Risk-weighted assets | $152.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.13% |
| Tangible equity to tangible assets | 16.13% |
| Equity capital to average assets | 15.93% |
| Internal capital growth rate | 7.22% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $34.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$376K |
| 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 | 20.37% | 20.37% | 21.41% | 14.45% | $144.2M |
| Q4 2023 | 20.04% | 20.04% | 21.07% | 14.41% | $148.2M |
| Q1 2024 | 19.87% | 19.87% | 20.89% | 14.37% | $150.0M |
| Q2 2024 | 19.63% | 19.63% | 20.62% | 14.27% | $153.2M |
| Q3 2024 | 19.82% | 19.82% | 20.80% | 14.24% | $154.5M |
| Q4 2024 | 19.68% | 19.68% | 20.64% | 14.49% | $157.4M |
| Q1 2025 | 20.17% | 20.17% | 21.15% | 14.62% | $155.0M |
| Q2 2025 | 20.41% | 20.41% | 21.39% | 14.59% | $155.4M |
| Q3 2025 | 20.83% | 20.83% | 21.81% | 14.93% | $155.3M |
| Q4 2025 | 20.77% | 20.77% | 21.72% | 15.21% | $158.4M |
| Q1 2026 | 21.33% | 21.33% | 22.29% | 15.62% | $156.5M |
| Q2 2026 | 22.24% | 22.24% | 23.22% | 16.11% | $152.8M |
Paper City Savings Bank, S.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Paper City Savings Bank, S.A., 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 Paper City Savings Bank, S.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29676) · FFIEC NIC profile (RSSD 102874)