The Park 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%.
Compared with Q1 2026, Retained earnings rose 3.0% in Q2 2026 to $114.4M, the biggest move on this page. Within Wisconsin, The Park Bank is 59th of 85 on CET1 ratio, 12.10% as of Q2 2026, below the middle of the field. The Park Bank reported 12.10% on CET1 ratio for Q2 2026, 1.37 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.10% |
| Tier 1 risk-based capital ratio | 12.10% |
| Total risk-based capital ratio | 13.35% |
| Tier 1 leverage ratio | 10.74% |
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 | $166.0M |
| Tier 1 capital | $166.0M |
| Total risk-based capital | $183.0M |
| Total equity capital | $156.2M |
| Risk-weighted assets | $1.37B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.15% |
| Tangible equity to tangible assets | 10.15% |
| Equity capital to average assets | 10.11% |
| Internal capital growth rate | 8.87% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $380K |
| Common stock surplus | $51.2M |
| Retained earnings | $114.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.8M |
| 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 | 11.20% | 11.20% | 12.44% | 10.23% | $1.33B |
| Q4 2023 | 10.96% | 10.96% | 12.21% | 9.79% | $1.34B |
| Q1 2024 | 11.36% | 11.36% | 12.61% | 9.83% | $1.30B |
| Q2 2024 | 11.43% | 11.43% | 12.68% | 9.87% | $1.30B |
| Q3 2024 | 11.67% | 11.67% | 12.93% | 10.09% | $1.29B |
| Q4 2024 | 11.93% | 11.93% | 13.18% | 10.32% | $1.27B |
| Q1 2025 | 11.82% | 11.82% | 13.07% | 10.30% | $1.30B |
| Q2 2025 | 11.91% | 11.91% | 13.16% | 10.42% | $1.31B |
| Q3 2025 | 11.86% | 11.86% | 13.11% | 10.45% | $1.33B |
| Q4 2025 | 11.69% | 11.69% | 12.92% | 10.40% | $1.37B |
| Q1 2026 | 12.17% | 12.17% | 13.42% | 10.51% | $1.34B |
| Q2 2026 | 12.10% | 12.10% | 13.35% | 10.74% | $1.37B |
The Park Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Park 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 Park Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19608) · FFIEC NIC profile (RSSD 403946)