The Waggoner National Bank of Vernon: 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%.
Accumulated other comprehensive income dropped 112.4% in Q3 2026, from -$4.8M to -$10.3M. It was the largest change from Q2 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.18% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $53.5M |
| Tier 1 capital | $53.5M |
| Total risk-based capital | — |
| Total equity capital | $43.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 12.63% |
| Tangible equity to tangible assets | 12.63% |
| Equity capital to average assets | 12.24% |
| Internal capital growth rate | 16.51% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $1.1M |
| Common stock surplus | $10.1M |
| Retained earnings | $42.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.3M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q4 2023 | 13.33% | 11.37% | 11.37% |
| Q1 2024 | 13.93% | 11.98% | 11.98% |
| Q2 2024 | 15.14% | 12.38% | 12.38% |
| Q3 2024 | 15.47% | 13.56% | 13.56% |
| Q4 2024 | 14.81% | 12.25% | 12.25% |
| Q1 2025 | 14.51% | 12.02% | 12.02% |
| Q2 2025 | 14.99% | 12.55% | 12.55% |
| Q3 2025 | 15.48% | 13.68% | 13.68% |
| Q4 2025 | 14.18% | 12.99% | 12.99% |
| Q1 2026 | 14.14% | 12.33% | 12.33% |
| Q2 2026 | 14.41% | 13.21% | 13.21% |
| Q3 2026 | 15.18% | 12.63% | 12.63% |
The Waggoner National Bank of Vernon regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Waggoner National Bank of Vernon, 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 The Waggoner National Bank of Vernon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5569) · FFIEC NIC profile (RSSD 548267)