Washington 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%.
Equity capital to total assets fell 0.33 percentage points from Q1 2026 to Q2 2026, ending at 10.44% against 10.78%. It was the largest change among the key lines on this page. Washington State Bank ranks 29th of 46 Louisiana banks on CET1 ratio, in the lower half at 14.96% (Q2 2026). At 14.96%, Washington State Bank's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.96% |
| Tier 1 risk-based capital ratio | 14.96% |
| Total risk-based capital ratio | 15.91% |
| Tier 1 leverage ratio | 10.81% |
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 | $33.5M |
| Tier 1 capital | $33.5M |
| Total risk-based capital | $35.6M |
| Total equity capital | $32.3M |
| Risk-weighted assets | $223.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.44% |
| Tangible equity to tangible assets | 10.44% |
| Equity capital to average assets | 10.43% |
| Internal capital growth rate | -5.00% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $13.7M |
| Retained earnings | $19.5M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.33% | 14.33% | 15.58% | 10.66% | $218.9M |
| Q4 2023 | 13.57% | 13.57% | 14.82% | 10.19% | $218.0M |
| Q1 2024 | 14.49% | 14.49% | 15.74% | 10.36% | $210.1M |
| Q2 2024 | 13.87% | 13.87% | 15.11% | 10.30% | $221.3M |
| Q3 2024 | 14.38% | 14.38% | 15.63% | 10.50% | $217.2M |
| Q4 2024 | 13.96% | 13.96% | 15.21% | 10.20% | $221.2M |
| Q1 2025 | 14.32% | 14.32% | 15.58% | 10.48% | $219.7M |
| Q2 2025 | 14.21% | 14.21% | 15.46% | 10.52% | $226.1M |
| Q3 2025 | 15.02% | 15.02% | 16.27% | 10.87% | $220.1M |
| Q4 2025 | 14.90% | 14.90% | 15.84% | 10.90% | $220.3M |
| Q1 2026 | 15.15% | 15.15% | 16.18% | 11.10% | $223.4M |
| Q2 2026 | 14.96% | 14.96% | 15.91% | 10.81% | $223.6M |
Washington State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Washington 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 Washington State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9326) · FFIEC NIC profile (RSSD 311939)