Waterford Bank, N.A.: 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 Risk-weighted assets, which rose 4.8% to $1.62B. Within Ohio, Waterford Bank, N.A. is 74th of 84 on CET1 ratio, 11.43% as of Q2 2026, below the middle of the field. Waterford Bank, N.A. reported 11.43% on CET1 ratio for Q2 2026, 2.05 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.43% |
| Tier 1 risk-based capital ratio | 11.43% |
| Total risk-based capital ratio | 12.61% |
| Tier 1 leverage ratio | 10.45% |
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 | $184.7M |
| Tier 1 capital | $184.7M |
| Total risk-based capital | $203.7M |
| Total equity capital | $179.4M |
| Risk-weighted assets | $1.62B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.13% |
| Tangible equity to tangible assets | 9.33% |
| Equity capital to average assets | 10.07% |
| Internal capital growth rate | 9.42% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $12.5M |
| Common stock surplus | $81.6M |
| Retained earnings | $106.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$20.7M |
| 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 | 10.43% | 10.43% | 11.41% | 9.03% | $1.48B |
| Q4 2023 | 10.50% | 10.50% | 11.49% | 9.09% | $1.49B |
| Q1 2024 | 10.51% | 10.51% | 11.50% | 9.21% | $1.53B |
| Q2 2024 | 10.38% | 10.38% | 11.38% | 9.11% | $1.56B |
| Q3 2024 | 10.71% | 10.71% | 11.73% | 9.10% | $1.54B |
| Q4 2024 | 10.81% | 10.81% | 12.06% | 9.20% | $1.51B |
| Q1 2025 | 10.79% | 10.79% | 11.77% | 9.41% | $1.52B |
| Q2 2025 | 10.86% | 10.86% | 11.87% | 9.55% | $1.55B |
| Q3 2025 | 10.98% | 10.98% | 12.03% | 9.60% | $1.57B |
| Q4 2025 | 11.24% | 11.24% | 12.32% | 9.88% | $1.57B |
| Q1 2026 | 11.70% | 11.70% | 12.83% | 10.36% | $1.54B |
| Q2 2026 | 11.43% | 11.43% | 12.61% | 10.45% | $1.62B |
Waterford Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Waterford Bank, N.A., 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 Waterford Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58433) · FFIEC NIC profile (RSSD 3588424)