Waterfall 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.
Compared with Q1 2026, Equity capital to total assets rose 0.38 percentage points in Q2 2026 to 12.89%, the biggest move on this page. Within Florida, Waterfall Bank is 36th of 56 on CET1 ratio, 13.45% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Waterfall Bank sits 1.63 points lower, at 13.45% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.45% |
| Tier 1 risk-based capital ratio | 13.45% |
| Total risk-based capital ratio | 14.27% |
| Tier 1 leverage ratio | 12.64% |
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 | $52.9M |
| Tier 1 capital | $52.9M |
| Total risk-based capital | $56.1M |
| Total equity capital | $52.8M |
| Risk-weighted assets | $393.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.89% |
| Tangible equity to tangible assets | 12.89% |
| Equity capital to average assets | 12.61% |
| Internal capital growth rate | 0.30% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $22.5M |
| Common stock surplus | $32.8M |
| Retained earnings | -$1.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$743K |
| 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 | 28.54% | 28.54% | 29.39% | 25.68% | $146.0M |
| Q4 2023 | 22.65% | 22.65% | 23.38% | 23.65% | $184.2M |
| Q1 2024 | 22.22% | 22.22% | 22.98% | 21.08% | $188.2M |
| Q2 2024 | 20.13% | 20.13% | 20.87% | 19.07% | $207.8M |
| Q3 2024 | 17.19% | 17.19% | 17.88% | 17.19% | $245.3M |
| Q4 2024 | 15.65% | 15.65% | 16.31% | 15.31% | $272.0M |
| Q1 2025 | 15.03% | 15.03% | 15.81% | 13.94% | $279.3M |
| Q2 2025 | 13.54% | 13.54% | 14.29% | 13.09% | $313.2M |
| Q3 2025 | 15.14% | 15.14% | 15.96% | 14.72% | $347.8M |
| Q4 2025 | 13.76% | 13.76% | 14.56% | 13.89% | $384.8M |
| Q1 2026 | 13.04% | 13.04% | 13.86% | 12.93% | $405.1M |
| Q2 2026 | 13.45% | 13.45% | 14.27% | 12.64% | $393.2M |
Waterfall Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Waterfall 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 Waterfall Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59265) · FFIEC NIC profile (RSSD 5650923)