Warren-Boynton 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%.
Compared with Q1 2026, Accumulated other comprehensive income fell 4.7% in Q2 2026 to -$2.7M, the biggest move on this page. Warren-Boynton State Bank ranks 66th of 198 Illinois banks on CET1 ratio, in the upper half at 18.19% (Q2 2026). Warren-Boynton State Bank reported 18.19% on CET1 ratio for Q2 2026, 3.12 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.19% |
| Tier 1 risk-based capital ratio | 18.19% |
| Total risk-based capital ratio | 19.27% |
| Tier 1 leverage ratio | 12.08% |
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 | $28.7M |
| Tier 1 capital | $28.7M |
| Total risk-based capital | $30.4M |
| Total equity capital | $26.5M |
| Risk-weighted assets | $157.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.29% |
| Tangible equity to tangible assets | 11.11% |
| Equity capital to average assets | 11.11% |
| Internal capital growth rate | 5.21% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $414K |
| Common stock surplus | $8.1M |
| Retained earnings | $20.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.7M |
| 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 | 18.12% | 18.12% | 19.12% | 11.56% | $158.7M |
| Q4 2023 | 15.59% | 15.59% | 16.64% | 10.20% | $159.5M |
| Q1 2024 | 15.91% | 15.91% | 16.94% | 10.22% | $160.5M |
| Q2 2024 | 16.07% | 16.07% | 17.06% | 10.37% | $161.1M |
| Q3 2024 | 16.19% | 16.19% | 17.16% | 10.62% | $163.3M |
| Q4 2024 | 16.23% | 16.23% | 17.27% | 10.59% | $164.1M |
| Q1 2025 | 16.73% | 16.73% | 17.76% | 10.60% | $164.2M |
| Q2 2025 | 16.86% | 16.86% | 17.88% | 10.84% | $164.6M |
| Q3 2025 | 17.99% | 17.99% | 19.04% | 11.29% | $159.1M |
| Q4 2025 | 17.68% | 17.68% | 18.75% | 11.71% | $158.9M |
| Q1 2026 | 17.74% | 17.74% | 18.80% | 11.81% | $159.9M |
| Q2 2026 | 18.19% | 18.19% | 19.27% | 12.08% | $157.9M |
Warren-Boynton State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Warren-Boynton 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 Warren-Boynton State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11674) · FFIEC NIC profile (RSSD 837448)