Washington Savings 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 6.6% in Q2 2026 to -$11.9M, the biggest move on this page. Washington Savings Bank ranks 57th of 198 Illinois banks on CET1 ratio, in the upper half at 19.02% (Q2 2026). Washington Savings Bank reported 19.02% on CET1 ratio for Q2 2026, 3.95 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 | 19.02% |
| Tier 1 risk-based capital ratio | 19.02% |
| Total risk-based capital ratio | 19.92% |
| Tier 1 leverage ratio | 12.07% |
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 | $73.4M |
| Tier 1 capital | $73.4M |
| Total risk-based capital | $76.8M |
| Total equity capital | $67.4M |
| Risk-weighted assets | $385.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.51% |
| Tangible equity to tangible assets | 10.60% |
| Equity capital to average assets | 10.98% |
| Internal capital growth rate | 7.23% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $10K |
| Common stock surplus | $0 |
| Retained earnings | $79.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.9M |
| 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 | 18.48% | 18.48% | 19.43% | 11.40% | $370.1M |
| Q4 2023 | 18.47% | 18.47% | 19.42% | 11.60% | $372.0M |
| Q1 2024 | 18.43% | 18.43% | 19.38% | 11.26% | $373.5M |
| Q2 2024 | 18.94% | 18.94% | 19.92% | 11.35% | $364.4M |
| Q3 2024 | 19.27% | 19.27% | 20.25% | 11.52% | $359.8M |
| Q4 2024 | 19.39% | 19.39% | 20.37% | 11.83% | $358.4M |
| Q1 2025 | 19.43% | 19.43% | 20.41% | 11.85% | $357.8M |
| Q2 2025 | 19.28% | 19.28% | 20.27% | 11.62% | $360.2M |
| Q3 2025 | 18.94% | 18.94% | 19.91% | 11.57% | $369.9M |
| Q4 2025 | 19.16% | 19.16% | 20.11% | 11.84% | $371.0M |
| Q1 2026 | 18.96% | 18.96% | 19.90% | 11.86% | $380.5M |
| Q2 2026 | 19.02% | 19.02% | 19.92% | 12.07% | $385.7M |
Washington Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Washington Savings 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29227) · FFIEC NIC profile (RSSD 790271)