Royal 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%.
Risk-weighted assets rose 4.0% from Q1 2026 to Q2 2026, ending at $547.7M against $526.7M. It was the largest change among the key lines on this page. Royal Bank ranks 26th of 85 Wisconsin banks on CET1 ratio, in the upper half at 15.48% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio; Royal Bank reported 15.48% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.48% |
| Tier 1 risk-based capital ratio | 15.48% |
| Total risk-based capital ratio | 16.73% |
| Tier 1 leverage ratio | 10.53% |
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 | $84.8M |
| Tier 1 capital | $84.8M |
| Total risk-based capital | $91.6M |
| Total equity capital | $86.6M |
| Risk-weighted assets | $547.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.61% |
| Tangible equity to tangible assets | 10.28% |
| Equity capital to average assets | 10.72% |
| Internal capital growth rate | 6.31% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $120K |
| Common stock surplus | $18.1M |
| Retained earnings | $69.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$570K |
| 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 | 15.65% | 15.65% | 16.90% | 10.50% | $478.3M |
| Q4 2023 | 15.71% | 15.71% | 16.96% | 10.44% | $477.9M |
| Q1 2024 | 15.86% | 15.86% | 17.12% | 10.33% | $473.2M |
| Q2 2024 | 15.60% | 15.60% | 16.86% | 10.24% | $482.7M |
| Q3 2024 | 15.57% | 15.57% | 16.82% | 10.37% | $486.0M |
| Q4 2024 | 14.27% | 14.27% | 15.52% | 10.11% | $532.9M |
| Q1 2025 | 15.61% | 15.61% | 16.86% | 10.24% | $494.6M |
| Q2 2025 | 15.78% | 15.78% | 17.04% | 10.39% | $498.9M |
| Q3 2025 | 15.70% | 15.70% | 16.95% | 10.52% | $513.6M |
| Q4 2025 | 15.60% | 15.60% | 16.85% | 10.54% | $527.2M |
| Q1 2026 | 15.83% | 15.83% | 17.09% | 10.50% | $526.7M |
| Q2 2026 | 15.48% | 15.48% | 16.73% | 10.53% | $547.7M |
Royal Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Royal 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 Royal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13454) · FFIEC NIC profile (RSSD 532042)