Wahoo State Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 9.03% +0.03 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $10.5M | 10,520 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $116.4M | 116,446 | RCOAA224 |
| Recomputed ratio | 9.03% | numerator / denominator | |
| Filed ratio | 9.03% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.03 pp | $40K | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 8,400 | 8,400 | 8,000 | 7,970 | 8,000 | 8,000 | RCOAP742 |
| Retained earnings | 2,120 | 1,971 | 2,191 | 2,043 | 1,836 | 1,714 | RCOAKW00 |
| Accumulated other comprehensive income | (1,006) | (1,040) | (1,018) | (1,077) | (1,249) | (1,299) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 9,514 | 9,331 | 9,173 | 8,936 | 8,587 | 8,415 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,006 | 1,040 | 1,018 | 1,077 | 1,249 | 1,299 | P859 - P840 |
| Common equity Tier 1 capital | 10,520 | 10,371 | 10,191 | 10,013 | 9,836 | 9,714 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 10,520 | 10,371 | 10,191 | 10,013 | 9,836 | 9,714 | RCOA8274 |
| Tier 2 capital | NA | 836 | 830 | 825 | 822 | 823 | |
| Allowance includable in Tier 2 capital | NA | 836 | 830 | 825 | 822 | 823 | |
| Total capital | NA | 11,207 | 11,021 | 10,838 | 10,658 | 10,537 | |
| Total risk-weighted assets | NA | 79,390 | 79,992 | 81,334 | 80,070 | 79,030 | |
| Average total assets for the leverage ratio | 116,446 | 115,100 | 115,902 | 117,439 | 116,086 | 116,918 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 9.03% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 13.06% | 13.06% | 14.12% | 9.01% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 12.74% | 12.74% | 13.78% | 8.79% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 12.31% | 12.31% | 13.33% | 8.53% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 12.28% | 12.28% | 13.31% | 8.47% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 12.29% | 12.29% | 13.33% | 8.31% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.23% | 12.23% | 13.28% | 7.97% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 11.81% | 11.81% | 12.84% | 7.82% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 11.80% | 11.80% | 12.84% | 7.61% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 11.40% | 11.40% | 12.44% | 7.47% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 11.38% | 11.38% | 12.43% | 7.17% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 11.18% | 11.18% | 12.23% | 6.83% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Wahoo State Bank (this bank) | CBLR | NA | NA | NA | 9.03% | |
| The Farmers State Bank of Brush | $116.6M | CBLR | NA | NA | NA | 20.13% |
| Bank of New Madrid | $116.6M | CBLR | NA | NA | NA | 14.11% |
| Bank of Brookfield-Purdin N.A. | $116.7M | Risk-based | 39.77% | 39.77% | 40.90% | 11.14% |
| Portage Bank | $116.2M | Risk-based | 10.96% | 10.96% | 12.21% | 7.49% |
| The State Bank of Geneva | $116.2M | Risk-based | 17.47% | 17.47% | 18.73% | 11.81% |
| Mid-Central National Bank | $117.1M | Risk-based | 24.82% | 24.82% | 25.94% | 14.91% |
| State Bank of Bottineau | $117.2M | Risk-based | 10.51% | 10.51% | 11.77% | 8.46% |
| Peoples Bank of Graceville | $115.8M | Risk-based | 30.21% | 30.21% | 31.22% | 10.29% |
| First Community Bank | $115.7M | Risk-based | 12.86% | 12.86% | 14.06% | 9.40% |
| Metz Banking Company | $117.3M | CBLR | NA | NA | NA | 11.60% |
| Peer 25th percentile | 11.91% | 11.91% | 13.13% | 9.62% | ||
| Peer median | 17.47% | 17.47% | 18.73% | 11.37% | ||
| Peer 75th percentile | 27.52% | 27.52% | 28.58% | 13.53% | ||
| This bank's percentile | NA | NA | NA | 20 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/662350/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.