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%.
The largest change between Q1 2026 and Q2 2026 was in Tier 1 leverage ratio, which rose 0.41 percentage points to 9.10%.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.10% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $7.5M |
| Tier 1 capital | $7.5M |
| Total risk-based capital | — |
| Total equity capital | $5.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.10% |
| Tangible equity to tangible assets | 7.10% |
| Equity capital to average assets | 6.85% |
| Internal capital growth rate | 11.01% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $250K |
| Common stock surplus | $1.0M |
| Retained earnings | $6.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.8M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 9.16% | 4.92% | 4.92% |
| Q4 2023 | 8.98% | 5.75% | 5.75% |
| Q1 2024 | 9.18% | 5.61% | 5.61% |
| Q2 2024 | 9.32% | 6.10% | 6.10% |
| Q3 2024 | 9.28% | 7.28% | 7.28% |
| Q4 2024 | 8.94% | 5.74% | 5.74% |
| Q1 2025 | 9.11% | 6.63% | 6.63% |
| Q2 2025 | 9.47% | 6.89% | 6.89% |
| Q3 2025 | 9.59% | 7.71% | 7.71% |
| Q4 2025 | 8.42% | 6.90% | 6.90% |
| Q1 2026 | 8.69% | 6.94% | 6.94% |
| Q2 2026 | 9.10% | 7.10% | 7.10% |
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 16667) · FFIEC NIC profile (RSSD 480246)