Wahoo State 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%.
The standout move of Q2 2026 was in Retained earnings: 7.6% higher than in Q1 2026, at $2.1M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.03% |
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 | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $10.5M |
| Tier 1 capital | $10.5M |
| Total risk-based capital | — |
| Total equity capital | $9.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.17% |
| Tangible equity to tangible assets | 8.17% |
| Equity capital to average assets | 8.17% |
| Internal capital growth rate | 6.47% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $480K |
| Common stock surplus | $7.9M |
| Retained earnings | $2.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.0M |
| 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 | 11.18% | 11.18% | 12.23% | 6.83% | $79.7M |
| Q4 2023 | 11.38% | 11.38% | 12.43% | 7.17% | $79.2M |
| Q1 2024 | 11.40% | 11.40% | 12.44% | 7.47% | $80.1M |
| Q2 2024 | 11.80% | 11.80% | 12.84% | 7.61% | $78.6M |
| Q3 2024 | 11.81% | 11.81% | 12.84% | 7.82% | $79.7M |
| Q4 2024 | 12.23% | 12.23% | 13.28% | 7.97% | $78.2M |
| Q1 2025 | 12.29% | 12.29% | 13.33% | 8.31% | $79.0M |
| Q2 2025 | 12.28% | 12.28% | 13.31% | 8.47% | $80.1M |
| Q3 2025 | 12.31% | 12.31% | 13.33% | 8.53% | $81.3M |
| Q4 2025 | 12.74% | 12.74% | 13.78% | 8.79% | $80.0M |
| Q1 2026 | 13.06% | 13.06% | 14.12% | 9.01% | $79.4M |
| Q2 2026 | — | — | — | 9.03% | — |
Wahoo State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Wahoo State 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 Wahoo State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1163) · FFIEC NIC profile (RSSD 662350)