Town Bank, N.A.: 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 11.6% lower than in Q1 2026, at -$31.5M. Within Wisconsin, Town Bank, N.A. is 70th of 85 on CET1 ratio, 11.19% 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. Town Bank, N.A. sits 2.29 points lower, at 11.19% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.19% |
| Tier 1 risk-based capital ratio | 11.19% |
| Total risk-based capital ratio | 11.78% |
| Tier 1 leverage ratio | 9.75% |
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 | $445.3M |
| Tier 1 capital | $445.3M |
| Total risk-based capital | $468.6M |
| Total equity capital | $483.1M |
| Risk-weighted assets | $3.98B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.26% |
| Tangible equity to tangible assets | 8.80% |
| Equity capital to average assets | 10.42% |
| Internal capital growth rate | 14.29% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $229.0M |
| Retained earnings | $284.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$31.5M |
| 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 | 10.62% | 10.62% | 11.20% | 8.96% | $3.05B |
| Q4 2023 | 11.08% | 11.08% | 11.69% | 9.12% | $3.01B |
| Q1 2024 | 10.49% | 10.49% | 11.09% | 8.72% | $3.19B |
| Q2 2024 | 10.84% | 10.84% | 11.40% | 8.54% | $3.18B |
| Q3 2024 | 10.61% | 10.61% | 11.21% | 8.73% | $3.34B |
| Q4 2024 | 10.77% | 10.77% | 11.40% | 8.90% | $3.40B |
| Q1 2025 | 10.80% | 10.80% | 11.50% | 8.97% | $3.51B |
| Q2 2025 | 10.81% | 10.81% | 11.51% | 9.22% | $3.63B |
| Q3 2025 | 11.05% | 11.05% | 11.72% | 9.24% | $3.70B |
| Q4 2025 | 11.38% | 11.38% | 12.07% | 9.53% | $3.71B |
| Q1 2026 | 11.35% | 11.35% | 12.01% | 9.48% | $3.77B |
| Q2 2026 | 11.19% | 11.19% | 11.78% | 9.75% | $3.98B |
Town Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Town Bank, N.A., 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 Town Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34717) · FFIEC NIC profile (RSSD 2693264)