Waterman 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 Retained earnings, which rose 4.3% to $4.5M.
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 | 13.20% |
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 | $22.3M |
| Tier 1 capital | $22.3M |
| Total risk-based capital | — |
| Total equity capital | $25.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.82% |
| Tangible equity to tangible assets | 13.09% |
| Equity capital to average assets | 14.89% |
| Internal capital growth rate | 2.86% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $21.0M |
| Retained earnings | $4.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$66K |
| 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 | 19.40% | 19.40% | 19.86% | 12.28% | $95.4M |
| Q4 2023 | 18.42% | 18.42% | 18.90% | 13.17% | $103.4M |
| Q1 2024 | 18.24% | 18.24% | 18.74% | 13.56% | $105.9M |
| Q2 2024 | 18.01% | 18.01% | 18.54% | 13.43% | $109.4M |
| Q3 2024 | 18.07% | 18.07% | 18.65% | 13.53% | $111.6M |
| Q4 2024 | 18.61% | 18.61% | 19.23% | 13.81% | $111.9M |
| Q1 2025 | 22.95% | 22.95% | 23.48% | 13.52% | $91.5M |
| Q2 2025 | 20.82% | 20.82% | 21.36% | 13.15% | $101.8M |
| Q3 2025 | 21.04% | 21.04% | 21.62% | 13.38% | $102.2M |
| Q4 2025 | 19.28% | 19.28% | 19.86% | 13.39% | $113.2M |
| Q1 2026 | — | — | — | 13.30% | — |
| Q2 2026 | — | — | — | 13.20% | — |
Waterman Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Waterman 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 Waterman Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10878) · FFIEC NIC profile (RSSD 604640)