Trailwest 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.
The biggest quarter-over-quarter change on this page was a small one: Risk-weighted assets edged down 2.1% between Q1 2026 and Q2 2026, to $867.2M. On CET1 ratio, Trailwest Bank is 1st from the bottom among 21 Montana banks, 10.89% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Trailwest Bank sits 2.60 points lower, at 10.89% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.89% |
| Tier 1 risk-based capital ratio | 10.89% |
| Total risk-based capital ratio | 12.15% |
| Tier 1 leverage ratio | 8.62% |
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 | $94.5M |
| Tier 1 capital | $94.5M |
| Total risk-based capital | $105.4M |
| Total equity capital | $93.9M |
| Risk-weighted assets | $867.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.49% |
| Tangible equity to tangible assets | 8.49% |
| Equity capital to average assets | 8.56% |
| Internal capital growth rate | -0.49% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.7M |
| Common stock surplus | $48.9M |
| Retained earnings | $44.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$615K |
| 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 | 11.79% | 11.79% | 13.04% | 8.91% | $687.4M |
| Q4 2023 | 11.82% | 11.82% | 13.08% | 8.85% | $685.1M |
| Q1 2024 | 11.85% | 11.85% | 13.10% | 8.96% | $684.5M |
| Q2 2024 | 11.64% | 11.64% | 12.90% | 8.91% | $696.4M |
| Q3 2024 | 11.41% | 11.41% | 12.67% | 8.84% | $710.8M |
| Q4 2024 | 11.68% | 11.68% | 12.94% | 8.52% | $716.3M |
| Q1 2025 | 11.41% | 11.41% | 12.66% | 8.29% | $735.5M |
| Q2 2025 | 10.92% | 10.92% | 12.17% | 8.48% | $779.2M |
| Q3 2025 | 10.40% | 10.40% | 11.66% | 8.68% | $839.6M |
| Q4 2025 | 10.56% | 10.56% | 11.81% | 8.64% | $851.5M |
| Q1 2026 | 10.68% | 10.68% | 11.93% | 8.80% | $886.1M |
| Q2 2026 | 10.89% | 10.89% | 12.15% | 8.62% | $867.2M |
Trailwest Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Trailwest 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 Trailwest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23806) · FFIEC NIC profile (RSSD 615954)