The Port Washington State 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, Accumulated other comprehensive income rose 3.9% in Q2 2026 to -$18.2M, the biggest move on this page. Within Wisconsin, The Port Washington State Bank is 62nd of 85 on CET1 ratio, 11.93% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. The Port Washington State Bank sits 1.55 points lower, at 11.93% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.93% |
| Tier 1 risk-based capital ratio | 11.93% |
| Total risk-based capital ratio | 12.84% |
| Tier 1 leverage ratio | 8.97% |
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 | $90.7M |
| Tier 1 capital | $90.7M |
| Total risk-based capital | $97.6M |
| Total equity capital | $72.5M |
| Risk-weighted assets | $760.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.18% |
| Tangible equity to tangible assets | 7.18% |
| Equity capital to average assets | 7.17% |
| Internal capital growth rate | 9.35% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $23.9M |
| Retained earnings | $66.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$18.2M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.60% | 12.60% | 13.56% | 8.65% | $650.1M |
| Q4 2023 | 12.55% | 12.55% | 13.50% | 8.80% | $660.3M |
| Q1 2024 | 12.95% | 12.95% | 13.92% | 8.58% | $646.3M |
| Q2 2024 | 12.54% | 12.54% | 13.49% | 9.06% | $665.4M |
| Q3 2024 | 12.49% | 12.49% | 13.42% | 8.95% | $672.2M |
| Q4 2024 | 12.18% | 12.18% | 13.07% | 9.00% | $692.7M |
| Q1 2025 | 12.35% | 12.35% | 13.26% | 8.57% | $686.2M |
| Q2 2025 | 12.26% | 12.26% | 13.18% | 8.89% | $697.7M |
| Q3 2025 | 12.11% | 12.11% | 12.98% | 8.80% | $715.8M |
| Q4 2025 | 12.17% | 12.17% | 13.05% | 9.00% | $725.2M |
| Q1 2026 | 12.14% | 12.14% | 13.05% | 8.64% | $733.6M |
| Q2 2026 | 11.93% | 11.93% | 12.84% | 8.97% | $760.2M |
The Port Washington State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Port Washington State 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 Port Washington State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8698) · FFIEC NIC profile (RSSD 937740)