Premier 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%.
Equity capital to total assets rose 0.25 percentage points from Q1 2026 to Q2 2026, ending at 7.67% against 7.42%. It was the largest change among the key lines on this page. Premier Community Bank ranks 63rd of 85 Wisconsin banks on CET1 ratio, in the lower half at 11.90% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Premier Community Bank sits 3.17 points lower, at 11.90% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.90% |
| Tier 1 risk-based capital ratio | 11.90% |
| Total risk-based capital ratio | 13.09% |
| Tier 1 leverage ratio | 8.54% |
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 | $48.5M |
| Tier 1 capital | $48.5M |
| Total risk-based capital | $53.4M |
| Total equity capital | $42.4M |
| Risk-weighted assets | $407.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.67% |
| Tangible equity to tangible assets | 7.60% |
| Equity capital to average assets | 7.44% |
| Internal capital growth rate | 4.59% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $12.7M |
| Retained earnings | $36.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.9M |
| 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 | 11.73% | 11.73% | 12.78% | 8.98% | $373.7M |
| Q4 2023 | 11.95% | 11.95% | 13.05% | 9.10% | $368.1M |
| Q1 2024 | 11.64% | 11.64% | 12.73% | 8.87% | $379.4M |
| Q2 2024 | 11.66% | 11.66% | 12.73% | 8.74% | $382.3M |
| Q3 2024 | 11.68% | 11.68% | 12.73% | 8.41% | $386.8M |
| Q4 2024 | 11.53% | 11.53% | 12.55% | 8.33% | $390.6M |
| Q1 2025 | 11.46% | 11.46% | 12.47% | 8.28% | $396.6M |
| Q2 2025 | 11.41% | 11.41% | 12.43% | 8.28% | $401.4M |
| Q3 2025 | 11.85% | 11.85% | 12.90% | 8.53% | $396.3M |
| Q4 2025 | 12.06% | 12.06% | 13.21% | 8.62% | $394.4M |
| Q1 2026 | 11.74% | 11.74% | 12.86% | 8.45% | $409.5M |
| Q2 2026 | 11.90% | 11.90% | 13.09% | 8.54% | $407.8M |
Premier Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Premier 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 Premier Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15799) · FFIEC NIC profile (RSSD 597546)