Waldo 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 biggest quarter-over-quarter change on this page was a small one: Total equity capital edged up 2.3% between Q1 2026 and Q2 2026, to $15.1M.
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 | 10.28% |
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 | $15.9M |
| Tier 1 capital | $15.9M |
| Total risk-based capital | — |
| Total equity capital | $15.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.82% |
| Tangible equity to tangible assets | 9.82% |
| Equity capital to average assets | 9.77% |
| Internal capital growth rate | 7.35% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $900K |
| Retained earnings | $14.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$788K |
| 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 |
|---|---|---|---|
| Q3 2023 | 11.58% | 9.54% | 9.54% |
| Q4 2023 | 10.82% | 9.50% | 9.50% |
| Q1 2024 | 10.71% | 9.74% | 9.74% |
| Q2 2024 | 10.87% | 9.77% | 9.77% |
| Q3 2024 | 10.69% | 9.70% | 9.70% |
| Q4 2024 | 10.33% | 9.13% | 9.13% |
| Q1 2025 | 10.00% | 8.99% | 8.99% |
| Q2 2025 | 9.74% | 9.03% | 9.03% |
| Q3 2025 | 10.01% | 9.58% | 9.58% |
| Q4 2025 | 10.03% | 9.57% | 9.57% |
| Q1 2026 | 10.20% | 9.64% | 9.64% |
| Q2 2026 | 10.28% | 9.82% | 9.82% |
Waldo State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Waldo 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 Waldo State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8700) · FFIEC NIC profile (RSSD 131940)