Washita Valley 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 Equity capital to total assets, which rose 0.45 percentage points to 12.27%.
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 | 12.27% |
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 | $8.4M |
| Tier 1 capital | $8.4M |
| Total risk-based capital | — |
| Total equity capital | $8.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.27% |
| Tangible equity to tangible assets | 12.27% |
| Equity capital to average assets | 12.27% |
| Internal capital growth rate | 3.07% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $900K |
| Retained earnings | $7.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$188K |
| 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 | — | — | — | 13.51% | — |
| Q4 2023 | — | — | — | 13.58% | — |
| Q1 2024 | — | — | — | 13.31% | — |
| Q2 2024 | — | — | — | 12.95% | — |
| Q3 2024 | — | — | — | 13.77% | — |
| Q4 2024 | — | — | — | 14.01% | — |
| Q1 2025 | — | — | — | 12.87% | — |
| Q2 2025 | 18.31% | 18.31% | 19.56% | 12.54% | $44.0M |
| Q3 2025 | — | — | — | 12.89% | — |
| Q4 2025 | 17.33% | 17.33% | 18.58% | 12.97% | $47.2M |
| Q1 2026 | — | — | — | 12.38% | — |
| Q2 2026 | — | — | — | 12.27% | — |
Washita Valley Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Washita Valley 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 Washita Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2308) · FFIEC NIC profile (RSSD 184759)