Wallis 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 10.10% +1.10 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 | $136.7M | 136,695 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.35B | 1,353,949 | RCOAA224 |
| Recomputed ratio | 10.10% | numerator / denominator | |
| Filed ratio | 10.10% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.10 pp | $14.8M | 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 | 22,000 | 22,000 | 22,000 | 22,000 | 22,000 | 22,000 | RCOAP742 |
| Retained earnings | 116,552 | 113,903 | 112,992 | 113,912 | 112,214 | 110,330 | RCOAKW00 |
| Accumulated other comprehensive income | (724) | (647) | (514) | (499) | (820) | (826) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 137,828 | 135,256 | 134,478 | 135,413 | 133,394 | 131,504 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (1,133) | (1,228) | (1,658) | (1,849) | (1,697) | (2,104) | P859 - P840 |
| Common equity Tier 1 capital | 136,695 | 134,028 | 132,820 | 133,564 | 131,697 | 129,400 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 136,695 | 134,028 | 132,820 | 133,564 | 131,697 | 129,400 | RCOA8274 |
| Tier 2 capital | NA | 10,771 | 10,323 | 9,019 | 9,032 | 8,790 | |
| Allowance includable in Tier 2 capital | NA | 10,771 | 10,323 | 9,019 | 9,032 | 8,790 | |
| Total capital | NA | 144,799 | 143,143 | 142,583 | 140,729 | 138,190 | |
| Total risk-weighted assets | NA | 1,166,313 | 1,165,208 | 1,147,880 | 1,190,311 | 1,112,831 | |
| Average total assets for the leverage ratio | 1,353,949 | 1,348,509 | 1,386,435 | 1,400,342 | 1,325,365 | 1,244,824 | 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 | 10.10% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 11.49% | 11.49% | 12.42% | 9.94% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 11.40% | 11.40% | 12.28% | 9.58% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 11.64% | 11.64% | 12.42% | 9.54% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 11.06% | 11.06% | 11.82% | 9.94% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 11.63% | 11.63% | 12.42% | 10.39% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 11.77% | 11.77% | 12.53% | 10.05% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 11.61% | 11.61% | 12.43% | 9.64% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 11.84% | 11.84% | 12.63% | 9.83% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 11.85% | 11.85% | 12.63% | 10.25% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 11.86% | 11.86% | 12.62% | 10.47% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.75% | 11.75% | 12.55% | 10.73% | 12.78% | 12.79% | 13.93% | 10.03% |
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 |
|---|---|---|---|---|---|---|
| Wallis Bank (this bank) | CBLR | NA | NA | NA | 10.10% | |
| State Bank of India (California) | $1.38B | Risk-based | 15.94% | 15.94% | 17.19% | 14.05% |
| First American Bank and Trust | $1.38B | Risk-based | 24.75% | 24.75% | 26.00% | 13.81% |
| Optimumbank | $1.39B | CBLR | NA | NA | NA | 10.54% |
| First National Bank of Tennessee | $1.38B | CBLR | NA | NA | NA | 11.55% |
| Dakota Community Bank & Trust, N.A. | $1.39B | Risk-based | 13.32% | 13.32% | 14.36% | 9.07% |
| Central National Bank | $1.39B | CBLR | NA | NA | NA | 11.00% |
| Independence Bank | $1.39B | Risk-based | 15.16% | 15.16% | 16.38% | 13.39% |
| Alliance Bank | $1.39B | Risk-based | 15.59% | 15.59% | 16.72% | 10.42% |
| Southwestern National Bank | $1.39B | Risk-based | 14.54% | 14.54% | 15.79% | 12.41% |
| Ulster Savings Bank | $1.39B | Risk-based | 13.97% | 13.97% | 15.18% | 9.79% |
| Peer 25th percentile | 14.25% | 14.25% | 15.49% | 10.45% | ||
| Peer median | 15.16% | 15.16% | 16.38% | 11.27% | ||
| Peer 75th percentile | 15.77% | 15.77% | 16.96% | 13.15% | ||
| 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/283867/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.