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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Total equity capital: 13.9% higher than in Q1 2026, at $49.0M. On CET1 ratio, Washington State Bank ranks 11th highest among the 114 banks headquartered in Iowa, at 20.40% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Washington State Bank sits 5.32 points higher, at 20.40% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.40% |
| Tier 1 risk-based capital ratio | 20.40% |
| Total risk-based capital ratio | 21.65% |
| Tier 1 leverage ratio | 12.48% |
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 | $79.3M |
| Tier 1 capital | $79.3M |
| Total risk-based capital | $84.2M |
| Total equity capital | $49.0M |
| Risk-weighted assets | $388.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.15% |
| Tangible equity to tangible assets | 8.15% |
| Equity capital to average assets | 7.71% |
| Internal capital growth rate | 15.36% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $800K |
| Common stock surplus | $12.2M |
| Retained earnings | $66.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$30.3M |
| 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 | 19.66% | 19.66% | 20.62% | 12.53% | $348.9M |
| Q4 2023 | 19.41% | 19.41% | 20.51% | 12.13% | $347.4M |
| Q1 2024 | 19.51% | 19.51% | 20.59% | 12.30% | $355.6M |
| Q2 2024 | 19.97% | 19.97% | 21.05% | 12.40% | $356.7M |
| Q3 2024 | 20.28% | 20.28% | 21.50% | 12.63% | $358.8M |
| Q4 2024 | 19.43% | 19.43% | 20.65% | 12.79% | $367.4M |
| Q1 2025 | 19.73% | 19.73% | 20.97% | 12.04% | $371.2M |
| Q2 2025 | 20.23% | 20.23% | 21.48% | 12.33% | $371.6M |
| Q3 2025 | 20.36% | 20.36% | 21.61% | 12.66% | $377.6M |
| Q4 2025 | 20.24% | 20.24% | 21.49% | 12.24% | $375.6M |
| Q1 2026 | 20.04% | 20.04% | 21.29% | 12.49% | $387.6M |
| Q2 2026 | 20.40% | 20.40% | 21.65% | 12.48% | $388.8M |
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 214) · FFIEC NIC profile (RSSD 433943)