Warren Bank and Trust Company: 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%.
Accumulated other comprehensive income climbed 13.7% in Q2 2026, from -$1.4M to -$1.2M. It was the largest change from Q1 2026 among the key lines here.
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 | 16.24% |
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 | $23.8M |
| Tier 1 capital | $23.8M |
| Total risk-based capital | — |
| Total equity capital | $22.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.45% |
| Tangible equity to tangible assets | 15.45% |
| Equity capital to average assets | 15.40% |
| Internal capital growth rate | 7.79% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $2.4M |
| Retained earnings | $21.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.2M |
| 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 | 14.54% | 9.63% | 9.63% |
| Q4 2023 | 13.73% | 10.68% | 10.68% |
| Q1 2024 | 14.41% | 11.35% | 11.35% |
| Q2 2024 | 14.47% | 11.51% | 11.51% |
| Q3 2024 | 14.53% | 12.66% | 12.66% |
| Q4 2024 | 14.64% | 12.57% | 12.57% |
| Q1 2025 | 14.72% | 12.51% | 12.51% |
| Q2 2025 | 14.43% | 13.30% | 13.30% |
| Q3 2025 | 15.13% | 14.60% | 14.60% |
| Q4 2025 | 15.90% | 15.32% | 15.32% |
| Q1 2026 | 16.22% | 15.23% | 15.23% |
| Q2 2026 | 16.24% | 15.45% | 15.45% |
Warren Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Warren Bank and Trust Company, 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 Warren Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 81) · FFIEC NIC profile (RSSD 748441)