Points West Community 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.
Equity capital to average assets fell 0.36 percentage points from Q1 2026 to Q2 2026, ending at 7.79% against 8.15%. It was the largest change among the key lines on this page.
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 | 9.22% |
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 | $81.6M |
| Tier 1 capital | $81.6M |
| Total risk-based capital | — |
| Total equity capital | $69.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.89% |
| Tangible equity to tangible assets | 7.48% |
| Equity capital to average assets | 7.79% |
| Internal capital growth rate | 10.52% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.3M |
| Common stock surplus | $27.4M |
| Retained earnings | $54.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$16.2M |
| 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 | 9.56% | 5.69% | 5.22% |
| Q4 2023 | 9.51% | 6.73% | 6.27% |
| Q1 2024 | 9.39% | 6.41% | 5.96% |
| Q2 2024 | 9.11% | 6.50% | 6.06% |
| Q3 2024 | 9.23% | 7.71% | 7.27% |
| Q4 2024 | 9.25% | 6.90% | 6.46% |
| Q1 2025 | 9.44% | 7.51% | 7.06% |
| Q2 2025 | 9.56% | 7.76% | 7.32% |
| Q3 2025 | 9.67% | 8.45% | 8.01% |
| Q4 2025 | 9.63% | 8.23% | 7.81% |
| Q1 2026 | 9.36% | 8.15% | 7.73% |
| Q2 2026 | 9.22% | 7.89% | 7.48% |
Points West Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Points West Community 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 Points West Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3031) · FFIEC NIC profile (RSSD 444556)