River 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.
Compared with Q1 2026, Equity capital to total assets rose 0.63 percentage points in Q2 2026 to 12.25%, the biggest move on this page. River Bank ranks 32nd of 85 Wisconsin banks on CET1 ratio, in the upper half at 14.39% (Q2 2026). River Bank reported 14.39% on CET1 ratio for Q2 2026, 0.89 points above the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.39% |
| Tier 1 risk-based capital ratio | 14.39% |
| Total risk-based capital ratio | 15.64% |
| Tier 1 leverage ratio | 12.02% |
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 | $123.5M |
| Tier 1 capital | $123.5M |
| Total risk-based capital | $134.3M |
| Total equity capital | $124.7M |
| Risk-weighted assets | $858.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.25% |
| Tangible equity to tangible assets | 11.65% |
| Equity capital to average assets | 12.06% |
| Internal capital growth rate | 8.22% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $650K |
| Common stock surplus | $48.6M |
| Retained earnings | $81.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.7M |
| 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 | 11.67% | 11.67% | 12.92% | 9.50% | $879.0M |
| Q4 2023 | 12.17% | 12.17% | 13.42% | 9.84% | $859.4M |
| Q1 2024 | 12.61% | 12.61% | 13.80% | 9.98% | $842.6M |
| Q2 2024 | 12.91% | 12.91% | 14.03% | 10.40% | $834.6M |
| Q3 2024 | 12.97% | 12.97% | 14.21% | 10.57% | $835.5M |
| Q4 2024 | 13.37% | 13.37% | 14.62% | 10.84% | $819.1M |
| Q1 2025 | 13.83% | 13.83% | 15.08% | 11.05% | $819.0M |
| Q2 2025 | 13.78% | 13.78% | 15.03% | 11.37% | $832.6M |
| Q3 2025 | 13.94% | 13.94% | 15.19% | 11.50% | $837.0M |
| Q4 2025 | 14.18% | 14.18% | 15.37% | 11.75% | $845.2M |
| Q1 2026 | 14.31% | 14.31% | 15.56% | 11.62% | $845.5M |
| Q2 2026 | 14.39% | 14.39% | 15.64% | 12.02% | $858.6M |
River Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock River 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 River Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14995) · FFIEC NIC profile (RSSD 279842)