The Wanda 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%.
Tangible equity to tangible assets rose 0.64 percentage points from Q1 2026 to Q2 2026, ending at 10.94% against 10.29%. It was the largest change among the key lines on this page.
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 | 12.12% |
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 | $28.4M |
| Tier 1 capital | $28.4M |
| Total risk-based capital | — |
| Total equity capital | $27.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.86% |
| Tangible equity to tangible assets | 10.94% |
| Equity capital to average assets | 11.52% |
| Internal capital growth rate | 7.72% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $360K |
| Common stock surplus | $13.7M |
| Retained earnings | $16.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.5M |
| 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 | 15.37% | 11.62% | 11.54% |
| Q4 2023 | 15.49% | 12.50% | 12.43% |
| Q1 2024 | 15.20% | 12.29% | 12.22% |
| Q2 2024 | 15.81% | 12.90% | 12.83% |
| Q3 2024 | 15.52% | 13.47% | 13.41% |
| Q4 2024 | 15.41% | 12.98% | 12.92% |
| Q1 2025 | 15.13% | 12.99% | 12.93% |
| Q2 2025 | 12.44% | 11.43% | 10.16% |
| Q3 2025 | 11.90% | 11.43% | 10.28% |
| Q4 2025 | 11.70% | 11.44% | 10.40% |
| Q1 2026 | 11.65% | 11.26% | 10.29% |
| Q2 2026 | 12.12% | 11.86% | 10.94% |
The Wanda State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Wanda 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 Wanda State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1908) · FFIEC NIC profile (RSSD 190956)