Washington County 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, Total risk-based capital ratio rose 0.94 percentage points in Q2 2026 to 17.65%, the biggest move on this page. Within Nebraska, Washington County Bank is 17th of 57 on CET1 ratio, 16.52% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Washington County Bank sits 1.45 points higher, at 16.52% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.52% |
| Tier 1 risk-based capital ratio | 16.52% |
| Total risk-based capital ratio | 17.65% |
| Tier 1 leverage ratio | 12.79% |
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 | $86.4M |
| Tier 1 capital | $86.4M |
| Total risk-based capital | $92.3M |
| Total equity capital | $82.1M |
| Risk-weighted assets | $522.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.40% |
| Tangible equity to tangible assets | 12.27% |
| Equity capital to average assets | 12.14% |
| Internal capital growth rate | 12.12% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.9M |
| Common stock surplus | $3.5M |
| Retained earnings | $81.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.2M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.63% | 12.63% | 13.68% | 10.40% | $494.3M |
| Q4 2023 | 12.74% | 12.74% | 13.78% | 10.44% | $501.3M |
| Q1 2024 | 13.04% | 13.04% | 14.14% | 10.70% | $503.9M |
| Q2 2024 | 13.35% | 13.35% | 14.46% | 11.05% | $508.5M |
| Q3 2024 | 13.85% | 13.85% | 14.97% | 11.55% | $507.4M |
| Q4 2024 | 14.16% | 14.16% | 15.28% | 11.99% | $514.2M |
| Q1 2025 | 14.59% | 14.59% | 15.72% | 12.26% | $511.3M |
| Q2 2025 | 14.80% | 14.80% | 15.94% | 12.26% | $518.2M |
| Q3 2025 | 14.84% | 14.84% | 15.97% | 12.70% | $532.3M |
| Q4 2025 | 15.14% | 15.14% | 16.26% | 12.98% | $538.8M |
| Q1 2026 | 15.60% | 15.60% | 16.71% | 12.73% | $537.9M |
| Q2 2026 | 16.52% | 16.52% | 17.65% | 12.79% | $522.8M |
Washington County Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Washington County 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 Washington County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12241) · FFIEC NIC profile (RSSD 1000052)