The Walton 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 Equity capital to average assets: 2.66 percentage points lower than in Q1 2026, at 22.08%. On CET1 ratio, The Walton State Bank ranks 3rd highest among the 86 banks headquartered in Kansas, at 60.41% (Q2 2026). The Walton State Bank's CET1 ratio of 60.41% is well above the 19.96% median for banks in the < $100M asset tier, a gap of 40.45 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 60.41% |
| Tier 1 risk-based capital ratio | 60.41% |
| Total risk-based capital ratio | 61.59% |
| Tier 1 leverage ratio | 15.42% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $1.8M |
| Tier 1 capital | $1.8M |
| Total risk-based capital | $1.8M |
| Total equity capital | $2.8M |
| Risk-weighted assets | $3.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 21.47% |
| Tangible equity to tangible assets | 14.91% |
| Equity capital to average assets | 22.08% |
| Internal capital growth rate | 2.15% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $60K |
| Common stock surplus | $2.9M |
| Retained earnings | -$194K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$14K |
| 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 | 48.27% | 48.27% | 49.42% | 17.37% | $4.2M |
| Q4 2023 | 58.46% | 58.46% | 59.21% | 16.15% | $3.6M |
| Q1 2024 | 62.48% | 62.48% | 63.31% | 16.47% | $3.4M |
| Q2 2024 | 53.69% | 53.69% | 54.42% | 13.61% | $3.9M |
| Q3 2024 | 57.63% | 57.63% | 58.41% | 12.56% | $3.6M |
| Q4 2024 | 61.38% | 61.38% | 62.29% | 12.29% | $3.3M |
| Q1 2025 | 61.10% | 61.10% | 62.00% | 13.78% | $3.3M |
| Q2 2025 | 61.43% | 61.43% | 62.36% | 17.93% | $3.3M |
| Q3 2025 | 44.21% | 44.21% | 44.98% | 17.56% | $4.5M |
| Q4 2025 | 56.60% | 56.60% | 57.67% | 17.23% | $3.3M |
| Q1 2026 | 59.79% | 59.79% | 60.87% | 18.60% | $3.2M |
| Q2 2026 | 60.41% | 60.41% | 61.59% | 15.42% | $3.0M |
The Walton State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Walton 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 The Walton State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17982) · FFIEC NIC profile (RSSD 490955)