Washington Financial Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 14.75% +5.75 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $217.6M | 217,604 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.48B | 1,475,527 | RCOAA224 |
| Recomputed ratio | 14.75% | numerator / denominator | |
| Filed ratio | 14.75% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +5.75 pp | $84.8M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 100 | 100 | 100 | 100 | 100 | 100 | RCOAP742 |
| Retained earnings | 217,546 | 213,300 | 209,304 | 211,864 | 209,912 | 207,640 | RCOAKW00 |
| Accumulated other comprehensive income | (9,145) | (10,140) | (9,574) | (15,645) | (18,117) | (19,431) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 208,501 | 203,260 | 199,830 | 196,319 | 191,895 | 188,309 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 9,103 | 10,007 | 9,441 | 15,513 | 17,984 | 19,360 | P859 - P840 |
| Common equity Tier 1 capital | 217,604 | 213,267 | 209,271 | 211,832 | 209,879 | 207,669 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 217,604 | 213,267 | 209,271 | 211,832 | 209,879 | 207,669 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 1,475,527 | 1,468,204 | 1,525,214 | 1,515,713 | 1,505,147 | 1,508,649 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 14.75% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 14.53% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 13.72% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | CBLR | NA | NA | NA | 13.98% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | CBLR | NA | NA | NA | 13.94% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | CBLR | NA | NA | NA | 13.77% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | CBLR | NA | NA | NA | 12.96% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | CBLR | NA | NA | NA | 12.82% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | CBLR | NA | NA | NA | 12.81% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | CBLR | NA | NA | NA | 12.66% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 18.05% | 18.05% | 19.03% | 12.04% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 17.95% | 17.95% | 18.92% | 11.89% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Washington Financial Bank (this bank) | CBLR | NA | NA | NA | 14.75% | |
| Citizens Alliance Bank | $1.44B | Risk-based | 12.58% | 12.58% | 13.60% | 9.81% |
| Relyance Bank | $1.43B | Risk-based | 14.69% | 14.69% | 15.77% | 13.27% |
| Watertown Savings Bank | $1.44B | Risk-based | 28.39% | 28.39% | 28.71% | 12.03% |
| Marquette Savings Bank | $1.44B | CBLR | NA | NA | NA | 13.58% |
| American Riviera Bank | $1.44B | Risk-based | 12.40% | 12.40% | 13.56% | 11.25% |
| Gbank | $1.43B | CBLR | NA | NA | NA | 13.15% |
| The Union Bank Company | $1.44B | Risk-based | 15.13% | 15.13% | 16.12% | 10.78% |
| Peoples Bank of Alabama | $1.42B | Risk-based | 15.73% | 15.73% | 16.98% | 11.19% |
| Peer 25th percentile | 13.11% | 13.11% | 14.14% | 11.09% | ||
| Peer median | 14.91% | 14.91% | 15.95% | 11.64% | ||
| Peer 75th percentile | 15.58% | 15.58% | 16.77% | 13.18% | ||
| This bank's percentile | NA | NA | NA | 100 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/282075/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.